Make sure you fully understand what "rent to own" means!
It does not mean you simply pay rent, and then all the rent is applied to the purchase if you decide to buy the home..... and can arrange to get a loan.
Are you aware you will be expected to give a non-refundable deposit and/or pay an amount of rent over and above the usual rent?
Are you aware you will lose that deposit and rent overage if you do not, or cannot, buy the home for ANY reason?
Rent to own favors the seller - they are a lot of pitfalls for the buyer.......so beware!
The best advice anyone can give you is.....rent while you work on whatever financial issues you have that are keeping you from buying a home in the normal way.
You will then have a full selection of homes from which to choose......
Home ownership isn't always an easy road........it requires a plan and a budget....and then you can hopefully reach your goal.