Many of your local real estate agencies will have properties that are open to a land contract option; all you need to do is make a phone call to one that you would like to work with. The land contact option is becoming very popular these days as we see more and more buyers that are credit challenged but have money in the bank to put down on a home. Lenders are reluctant to loan customers with less that good credit but with a down payment and a short term (12 to 24 months) financing period many hoemowners are willing to carry the loan until the buyers can finance with a bank.

Why not make an offer with a LC for financing?