Each seller's needs will be unique so it's too vague a question to answer for all sellers. Some owners may be open to a lease purchase, but would most likely require a large deposit with the lease which would be non-refundable if you didn't have your financing in order closer to 2014. You have to take into consideration, if they are taking their home off the market for a buyer that's not qualified, there should be a financially sound reason to do so. You may be better off renting somewhere for year. While renting, work on your credit score and find out the area you'd like to purchase. Once you have a pre-approval near the end of the year, you could start looking then. If you decide you love the home you are currently renting and would like to purchase it, then you could approach the owner at that time to see if he/she is willing to sell. You may also want to consider speaking to more than one lender. I do work with lenders that helps those with poor credit, please email me if you'd like this contact information.
Cathy Starkweather
Realtor & Investment Home Specialist
La Rosa Realty, LLC - Celebration, FL
cathy@jerrybarker.com / 01.407.274.8476
