I am amazed how so little people know about it, here's a website i found: https://www.realestate.com.au/advice/rent-to-own-home-schemes/ 
But of find tons of material online about it, imo is the best way to buy real estate.

I’ve never heard of this kind of contract sounds interesting! Works like a car leasing sort of?

nomainvest

Best thing is to do a rent-to-buy contract with some real estate owner. No banks involed, hard to find those deals, but they do exist.