To be quite honest it is very hard to find land contract homes. You can have a Realtor search in the MLS for you but you will only find a couple. I suggest searching craigslist and typind Land Contract in the search box.
Here's a link to a blog I wrote on how to find lease-option properties. They're a bit different than land contracts, but the basic idea--and the motivation of the sellers--is the same: A person wants to sell his house, but doesn't need all the equity out right away. These same techniques (some involving Realtors and the MLS, some not) will work for land contracts: http://bit.ly/findaleaseoption
You may want to read the info on my blog, see the links below. Most buyers seeking owner financing or a rent to own are doing so because they have been turned down by a lender. Any work around raises the â€œbuyerâ€™sâ€ risk level significantly. You are relying on an individualâ€™s (the seller) promise and more importantly continued ability to perform. Any work around puts you more at risk, I hope this keeps you out of harmâ€™s way.
The reason the web sites you mention charge a fee is because they realize you canâ€™t obtain financing are still trying to make something happen, in other words taking advantage of your misfortune.
You need to work with a neighborhood realtor. Most properties are listed for sale but seller may consider a lease to own. My advise is to work strictly with 1 realtor as it takes a lot of time to research and get properties for this category. Contact me I would be happy to assist you