If you're looking for lease with option to buy,
there's not much out there.
The two answers pretty cover it.
The reasons people like you look for
this kind of deal is either credit related,
recently house was foreclosed, short sale,
With prices going up, low inventory, sellers that do
rentals kind of shy away with lease options.
Usually sellers when they are ready just sell it
outright because there's a lot of bidding going on.
What I can suggest is if you're not ready,
just continue renting, talk to a lender so you get some advice
on how you can remedy your situation.
There's a lot of ads telling you about lease option deals.
As an active Realtor, my clients that did short sales are looking for this deals also.
I looked and sorry to tell you, I can't find any.
Maybe these people that advertise know something I don't.
Good Luck though.
Barbara Robbins-Olexa, Broker
L B Brokerage