There are some rent to owns, also called lease with the option to buy, but it may be a complicated transaction. Usually you are paying over market rent and a portion of the rent is applied to a pre-deternined sales price. You usually have to put up some option money to secure the deal. Your risk is what will be the value of the home in a few years and what will interest rates be at that time when you need to get permanent financing.
If you can, buying now using some low down payment programs may be a better option.
Best of luck. If you have any questions, please contact me.
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The San Diego Property Shop
CA DRE # 00648687