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Based on many people's financial situations, rent-to-own is the best way to go! Rent to own homes are ideal even with a low credit score because you don't have to qualify for any bank loans. Having a fully updated credit report in hand will greatly increase your change of signing on that line and becoming a home owner. When you do find a home you like, make sure to look over the agreement and talk with your landlord about payment terms and length of agreement.