Rent To Own is very tricky today and can be a BIG mistake. If you really can't buy through a lender/bank, just wait till you can. Here is why: 1. You are paying your mortgage to your lender (the seller) and he doesn't pay his mortgage, he loses the house in foreclosure, you lose the house and your money. Plus, you will probably not know until the constable shows up to evict you from "your" house. This is a huge problem right now for thousands in Texas. You get nothing if he defaults on the loan and you lose the house because he didn't pay his mortgage. 2. I would contact a lawyer for more advise and consult. Contact a lender and they will for free pre-qualify you for a loan. If you don't qualify they will tell you what to do so you can qualify. FOR FREE. If it is not FREE, just run and call another lender. Just be careful okay. BEST OF LUCK.