Not all Realtors are capable of helping you with the keys to your new home in Florida with rent-to-own, lease-option, or lease-purchase terms.

Smooth talking won't do it.

Expensive designer clothes won't do it.

The most-expensive PDA-cell phone attached to the side of their head won't do it.

And that shiny BMW won't do it either.

Realtors who do not specialize in rent to own Florida home opportunities may actually hurt you more than they help you.

They don't understand your financial condition -- they're trained and accustomed to working with buyers with "A" credit and big down payments.

They don't know how to protect your interests with the specialized paperwork involved in rent-to-own home transactions. This lack of understanding could put you in serious legal jeopardy if the realtor attempting to offer rent to own services had simply driven to Office Depot or Kinkos looking for a Lease-Purchase Contract.

Ideally, you want to partner with a Realtor who specializes in and works full-time with rent-to-own home opportunities, not a Realtor who reluctantly attempts a rent-to-own only when his/her pipeline of "A" buyers runs dry.

A realtor specializing in rent to own opportunities in Florida will understand the importance of home inspections and disclosures such as property, homeowner's, and mold.

That licensed rent to own home specialist will also inform you of any Community Development District (CDD) implications.

He/She will also research comparable sales and negotiate aggressively on your behalf for the best deal on your new home.

The intent of both parties should be to achieve a successful transfer of ownership at the end of the lease term.

The bottom line is that the Realtor must specialize in rent-to-own opportunities or it wont matter how many nice homes that Realtor can locate on MLS.

If you cant qualify to buy the home on which the Realtor is representing you, then you cannot buy the home.

Your situation requires owner financing with rent to own terms, and you need referrals to mortgage specialists who focus on working with people with damaged credit.

A quality company providing credit repair services will also benefit you as you work during the lease term to improve your damaged credit.