Look at my suggests at http://bit.ly/FindaLeaseOption This was written to find lease-options, but most of the suggestions are applicable to finding owner financing. The bottom line is that you're looking for someone who wants to sell but doesn't need all his cash at once.
Also, you should check with a loan officer or mortgage broker just to make sure you don't qualify for conventional financing . . . or to find out what's needed to do so. You'll have a much greater variety of properties to choose from with conventional financing.