Once again, another Real Estate Agent who "recommends" not getting into a Lease-to-Own deal.
One of the reasons people get into Lease-to-Own's IS BECAUSE THEY NEED TIME TO WORK ON THEIR CREDIT. That's the whole point! Meet with your lender to see how long it would take for you to work on your credit and DO JUST THAT......WORK ON IT. If your lender/credit repair specialist says that it will probably take 24 months for your credit to be at a point to qualify for traditional financing....then you wouldn't sign a lease for only 18 months. If you truly want to live in a house, you will do what is necessary to work on your credit. Otherwise, you should be renting.
Do your homework and make sure to use Professionals that are VERY familiar with Lease Options. Many Real Estate Agents do not truly understand or are willing to deal with them because its outside the traditional "go to a lender....get pre-approved with 20% down....etc, etc.) that they know. The Lease-to-Own deal should be a win~win for all those involved. If it isn't....then don't sign the papers.
The sellers are giving you the Option to purchase their house at a later date. They are taking their house off the market for YOU and, for that privledge, there is a cost associated with it.
For 23 years, respected Real Estate Columnist/Investor/Attorney/Broker/Speaker Bob Bruss used to provide great information for the public about many topics associated with buying and selling real estate. Considered the "Dear Abby of Real Estate", he wrote columns and newsletters which gave a great description of Lease Options as well as other topics. You may want to Google his name and take a read.
Hope this helps.