As you may know, there are a variety of options available with rent-to-own/lease-with-option-to-buy /lease-purchase opportunities. Most sellers who will enter unto these agreements want a fairly sizable, non-refundable down payment (10% and up), and often there is an amount tacked on to the "normal" rent rate which will be applied towards the purchase price if the renter decides to go through with the purchase at the pre-determined date.
These sellers, after all, want to SELL their homes and in a rent-to-own or similar situation you are basically asking them to take their home off the market. They therefore want the potential buyer to have "skin in the game", i.e. have a financial incentive to go through with the original intent of eventually purchasing the property.
If this still interests you, I can provide a list of rent-to-own opportunities in the Santa Fe area. You can contact me privately: