Question: how to buy a house when you don't qualify for a mortgage?
Answer: Rent to Own. Renting to own can be a good alternative if you're unable to save for a down payment or don't qualify for mortgage financing due to a low credit score. ... 
Get Owner Financing. Occasionally, the owner may be willing to sell to you directly. ... 
Get a Private Loan. ... 
Pay Cash. ... 
Becoming a Happy Homeowner.