Here's a link to a blog I wrote on how to find lease-options: http://bit.ly/findaleaseoption There are some structural differences between lease-options and land contracts (which are a lot more common in your area), but the motivations of the sellers and buyers is usually the same. So anywhere you see "lease-option," just substitute "land contract."
Hope that helps.
Here in the state most landlord owners are aware that many of our citizens have credit that is not stellar.
With the high job turnover in the area, owners have found working with buyers using other criteria is important.
Many are willing to overlook bad credit scores. And also accept bankruptcy and foreclosure.
Buying a home with a land contract or lease option does involve an application process.
References will be verified.
Your source of income will be confirmed. Your current housing record may be checked for the last 2 years.
Court records and other resources may be checked to see if you have ever been evicted or had a vehicle reposed.
For a list of homes available with land contract or lease option in the area, contact:
Cell (248) 931-0084
REAL ESTATE AND FINANCE IN ONE
34 S. Telegraph Rd
Waterford, MI 48328
Office (248) 886-0000