Lease to Purchase is very rare in Texas. About 4 years ago legislation changed the rules for this kind of transaction. It is a high risk transaction for the tenant/buyer so it is discouraged. If you find someone willing to do this you should hire an attorney to help with the documents. You'll need protections in place.

Seller Financing is a different transaction all together. It can be good for someone who is self employed or just has poor credit. However, it will require a strong down payment.

Have you spoken with a REALTOR or lender? There are a number of first-time buyer incentives in Texas right now. You may be surprised to learn that you can qualify for a home loan. If you're interested in checking this out, just give me a call. 817-613-6420

Whatever you decide, good luck!