Rent to own is very risky. They are also tough to find especially in a market with appreciating values.
Why are you not ready to buy yet?
Poor credit- there are options for credit repair and low FICO loans
High debt ratios- again my be options to bring that down
Not enough down payment- FHA as low as 3.5% down, plus other options
Call me to discuss your other options. I have worked in real estate finance and sales for the past 15 years and I can likely present you a game plan to help you buy sooner than later.
The Friedman Group, Keller Williams