<prompt> Human: Ive been leasing my house for 2 years. The owner wants to sell it but I dont want to move out. Im divorced with 5 kids at home, Im also a full time student and I work from home as a freelance writer. I probably dont qualify for a normal loan because my income wouldnt be enough to pay a mortgage. Its also not going to be enough to even rent here in Seattle. As long as Im complaining, my ex never pays child support. Ive never had a credit card lack of credit is bad credit, right?. Im hoping I can convince the owner to carry the note for 3-5 years until I graduate with my engineering degree its the only one that can even remotely offer me the possibility of a livable wage.I dont know how to approach the situation; I need to buy the house, I can put 12k down on the house. If hes willing to defer the interest until I can secure a bank loan that would help tremendously. If not, Id have to rent out the basement apartment to make up the difference. My lease terminates on Jan 31.  <response>: Are you super tight with the landlord? Because in this market, youre asking him for a huge favor. You can list a backyard shed and sell it for over asking in 4 days here; unless hes very wealthy and very kind, theres no way hes waiting 3-5 years to get his payout if he wants to sell.Your only hope is to ask him to owner-finance like you said. Hes almost certainly not going to, but ask. If he wont, start looking for another place. Theres no secret magic way youre going to be able to stay there. 