I've heard that First Citizens has good products, as well as SC Federal Credit Union.

It's great that you are considering your neighbors, but a bad tenant is worse for you than your neighbor.  

I'm currently stuck and do not have any way for traditional funding and my credit is to low for other methods.

- Bad tenants?

I'm currently stuck and do not have any way for traditional funding and my credit is to low for other methods

Rental Agreement + Option to Purchase AgreementRental Agreement: a typical lease agreement with the total amount of rentOption to Purchase Agreement: this includes all the terms of the Lease Option such as Final Purchase Price, NROC (see below for more details), and how much of the rent will be credited back as rent credits (I typically charge above market rents and use that extra amount as rent credits).I have the Tenant-Buyer sign both of these docs and pay me the Non-Refundable Option Consideration (NROC).

A bit risky, but it worked.Having said all the above, I did not have the complication of a mortgage on these properties because I used line of credit funding on my principle residence.  

(assuming your credit is decent)Before you start running, walk first.

Good bones, bad state.

The exterior was in bad enough shape that the siding was roof shingles that didn't even overlap, they just butted them up against each other, so they were peeling off.