Let me add this, I agree with what has been said, however I do understand the logic being wanting a lease to own. Maybe you don't qualify for a loan today but will qualify a year or so from now and you don't want to loose money by simply paying rent, specially now that market trends say that San Diego is one of the cities where it is better to buy than to rent.
However, in the specific areas that you mentioned, there is a shortage of rental properties as it is, if you add to that the fact that you want a lease to buy option, you will have decreased your pool of options by 85% if not more, so you would be limiting yourself greatly to choosing a home not by what is best for you, but for what is available.
I have seen peoples that have done this in the past and when the time to excersize the option to buy comes along, they go out and see what is available for sale and many times they decide they want to buy a different house and in doing so, they end up having paid a costlier rent all along.
My two cents are, explore what is available as a lease to own, if there is not anything that you truly love, go for a cheaper lease, save the extra money in a separate account that you can use as down payment in a year from now, or, if you do qualify for a loan today, take advantage of the mortgage rates and buy sooner rather than later. There are also creative ways to buy that involve some planing, or outside the box thinking that might be an option.
Let me know if I can be of help to you in any way, even if it is just sitting down and assessing your options in a more detailed way and creating a plan of action that works specifically for your situation.
Oh, and Congratulatios on the wedding!!!
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