Seller financing such as land contracts or lease options are pretty hard to come by. Sellers need to own the house outright or in many cases they are violating the terms of their existing mortgage. There are options to assist buyers in purchasing and believe it or not some 100% financing programs still exist. I work with a few lenders who are specialist's in working with those with less than perfect credit and would be happy to put you in touch with them. The programs they offer are designed to assist buyers like yourself!