If you don't think you can get a loan for a few years, then I am afraid you do not understand how a rent to own works. The owner will want you to be able to buy the house in 1 to 2 years and that means you will HAVE TO get a loan to do it - unless you plan to hit the lottery or something. If you can't get a loan, then you will be in default of your rent to own contract and you will lose the deposit money and all the monthly option money that is tacked on top of the monthly rent each month. You could lose thousands so why take that silly chance? Just rent now and buy when you can actually get a loan, you will be better off.