The short answer is most people will not consider a lease with option to buy because laws of the state are not in their favor if they choose that option.
You could ask for the first right of refusal on the property. This would mean that you would like to lease the property and if during your time living their they decided to sell you would have to turn down the offer to purchase the property before they could sell it to anyone else.
Consider this as well. If you are looking to lease option the amount of money that you will pay out of pocket can be significant. On average if you are renting a home and moving it will cost you at least $3000 ($1000 rent, $1000 security deposit, $1000 moving and misc cost). Consider a FHA loan on an $100,000 house instead. 3.5% down is $3,500 and you monthly payment is usually less than rent.
Another option is going for straight owner financed homes. These usually require 10% down but that will go straight into the equity of your home. There is no bank qualify on these homes.
Unless you have a foreclosure or bankruptcy on your credit it shouldn't take you that long to get your credit score high enough to qualify. Give me a call and I can help you see if you can get qualified and move into a home that you own. Its worth exploring.
The Michael Group