I think you are mixed up. Refinancing means getting a new loan to cover the current loan on a property you own. Since you don’t own this, you are just purchasing it from the landlord.
My suggestion is to go to several (maybe 3) banks and ask them all about getting a loan to buy the place. At each one, if they turn you down, ask them exactly what you will need in terms of money and credit to get the loan. Then go about getting what you need. Take a 2nd job if you must, or whatever, but this is the way to go about getting a loan to buy this house.
I think you are mixed up. Refinancing means getting a new loan to cover the current loan on a property you own. Since you don’t own this, you are just purchasing it from the landlord.
My suggestion is to go to several (maybe 3) banks and ask them all about getting a loan to buy the place. At each one, if they turn you down, ask them exactly what you will need in terms of money and credit to get the loan. Then go about getting what you need. Take a 2nd job if you must, or whatever, but this is the way to go about getting a loan to buy this house.