If you decide to take a high risk route of renting from an individual owner versus renting in a complex, make sure you verify who the owner is and that they are not in foreclosure.
Ideally if the owner just purchased with cash you will probably not have to check every month to see if the seller is in pre-foreclosure status.
We have some rental scammers in Tampa Bay that will advertise rental properties they do not even own and then the sheriff will show up and you will lose all the money you gave the scammer!
If you have sufficient income and credit but simply lack the downpayment money to buy, the state of Florida has up to $10,000 to give first time homebuyers (you and/or your spouse cannot have owned a home in the past 3 years). A single person can earn almost $70k and still qualify for money. Take a look:
All the best,
Alma Rose Kee, PA
Future Home Realty