There are about 30 three+ bedroom homes priced under $180,000 and available for lease purchase, owner financing, or loan assumption in the North Charlotte area.
Here is a link to the homes: http://goo.gl/3MSZQ
Here is a link to the townhome condos http://goo.gl/R11va
Here is a link to multifamily http://goo.gl/TF8kC
Not all lease with purchase option arrangements are designed to part a buyer with their money. We do have a better result if we buy outright because our choices and our ability to buy at or below market are MUCH greater with a normal purchase. If you do go the lease purchase option, however, you should have a NC attorney and a Realtor representing you.
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I do not deal in them to often. generally the situations are difficult to manage. On average less than 10% of those transactions actually close on the house they bought.......
but, if this is an option you want ot go down find a reputable company that specializes in them. look over all paperwork up front and consult with a Realtor or attorney before signing anything so you know exactly what you are getting into with the transaction.
In Charlotte they are not as popular as they are in other parts of the country..I am not sure why. But be prepared to have someone ask for a good down payment from you on a lease purchase or rent to own. You may be better off just continuing in the path you are in now and talk to soemone about building your credit then go and look for a home...it will probably cost you less in the long term as well
That blog tells you how to find them, but it doesn't provide guidance on: (1) whether a lease-option is right for you, or (2) how to protect yourself in such situations. (I keep meaning to write blogs on those topics! In the meantime, you can search past questions and answers. I like lease-options; lots of Realtors don't. Read both sides of the argument.)
You would be safer with owner financing or some other technique where you actually get the deed up front. (Subject to is another such technique.) But lease-options are perfectly OK if properly structured.
Hope that helps.