Find yourself some inexpensive housing and then SAVE, SAVE SAVE, until you have between 1% and 5% for a down payment on your 1st home. Stay away from new cars, coffee shops and eat out less frequently. In the meantime, we really do not find many lease-to-own properties on the MLS. There are a few on Craigslist -- but watch out for scammers!! I hope this helps!