You might want to see if there are home owners that will provide "Lease with an Option to Buy". This allows you the ability to build your credit, lock in a price for the home, and have some of your lease payments go towards the home purchase price.
Here's an example of how it works....
1) You and the home owner commit to a 2 year lease with an option to buy the property on this house you want (setting the price at $ 40,000). You both agree to lease payments of $ 400/month (I guessed the lease/rental amount, not knowing the area very well) and that 25 % of the lease payments go to the purchase price of the home, if you exercise the lease option.
2) You give "Option Money", upfront, of 10 % ($ 4,000) to the home owner as your commitment to exercise the lease option and this also goes towards the value of the home (as is used to pay the Realtors to put together this transaction). If you do not exercise the lease option, the home owner keeps the Option Money and all of the lease money.
3) At the end of 2 years, you find a regular lender that will give you a loan on the home. You now only owe $ 33,600 on the home because of the Option Money and the Lease payments that apply to the value of the home (40,000-4,000=36,000-2,400=$ 33,600).