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I am looking for a rent to own owner financed lease with perchase option beacuse my credit isn't FHA qualifable... but I want to know if I have other options?

Not much anymore. The B/C/D lending market has completely dried up-most lenders now require at minimum FHA credit standards-check with other lenders though-some things with FHA are left up to underwriter discretion.

Private Investors will lend money. (At a high interest rate).You have the option to clean up your credit by paying off the past due accounts. Try to get 24 to 36 months on the lease option. This gives you 2 to 3 years to clean up your credit. Hopefully the seller is allowing a portion of the monthly payment to go towards the purchase. Keep copies of all your payments to show you have been current. Do not go out a buy a car or anything that will hurt your debt ratio.