I agree with Anna that rent to own is not a good idea. However, some sellers will consider a lease with option to purchase. Very few of these ever close, however, sometimes realtors do know of a house where the owner will consider that option. If you see a house that you are interested in writing a contract on, you can see what the owner will do. Be careful of rent to own scams. Some unscruptulous landlords will do a rent to own and have you invest money in fixing up the property. Then they are unwilling to sell. It is best to get your finances in order and then purchase. Talk to a loan officer and see what you need to do. I have had several clients who thought they could not buy and they were pleasantly surprised when they could qualify. Some had to fix some things and wait a few months. And some had to work on their credit longer. If you set your mind to owning a house, you will be able to purchase one.