R2S in Charlotte,
You are the perfect candidate for "First Look" options.
Such an option allows you access to real estate opportunties BEFORE the public is notified.
Agents offering "Firts Look" options are proactive in identifying options most benefical to home owners. Understanding these optioins allows the agent to find the right fit in regards to a buyer. Often, the buyer, such as yourself, will come through another "First Look' agent.
You must identify a mulit-dimensional real estate professional you knows how to present the various forms of seller financing that will make obvious to the seller this is a viable and profitable option. This is one of thse rare curcumstances where a non-traditional lease/option can prove to be a win/win. Be aware, a traditional lease/option is predatory towards the buyer. Traditional lease/option should not be a choice to consider.
Find the right agent and commit to them. This will give them the assurance that the situation they create wil not fall flat because the buyer bolts. You will need to be flexiable in your housing requirments, don't chase vapors on aggregate real estate websites. and understand, such opportunities are created and are rarely found via MLS or other source listings.
It is important to note, you are not the only buyer in your situation. Most are emerging from credit wrecking situtions such as job loss, divorces illness, short sales and foreclosures. Because their are so many seeking to circumvent the credit issue, it becomes imperative that you are able to demonstrate that you are serious and are on a solid path to success.
Now, you will need to have cash readily available.
If you are serious, you will pick up the phone and start CALLING Chalotte real estate professionals. Those who can not solve your problem will reveal themseves by what the don't saty. Those who are multi-dimensional will restate what you have read, identify how they will sercure the property and advise you regarding the costs you will be required to pay..immediately. Yes, YOU will be required to pay the professional fees of your agent, before you move in! This is the secret ingredient that you can recognize that makes the whole process work.
It is not a dream. It will require work, patience and trust. Plus you MUST do whatever you agreed to do. One failure and you will be out the door. (translated this means to go to LOW PRIORITY status because you've demonstrated you overcommit.)
Best of Success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL