Hyperion Homes has come up with a program to address those (and many more) situations. It's a Lease to Purchase Right Program that provides responsible households who cannot obtain a mortgage a transparent path to home-ownership. The program provides five years of rent certainty for a one year financial commitment. In other words: you'd be renting now the house you want to buy in the near future.
Check the link below for more info about Hyperion. Feel free to contact me with any question. I'll love to help you find your dream home.