Looking for a place to call HOME? Lease Today Move Tomorrow.

Thank you for choosing Smart Investment Group LLC. We are a limited service real estate company that offers 2 programs to meet your needs: a Non-Qualifying Lease Option to Purchase Program for residents looking to rebuild their credit and buy later & soon will offer traditional Rental Program. We offer homes in South Carolina, Georgia, North Carolina, and the surrounding areas. We also offer both new & existing single family homes. Our properties are well maintained, move-in ready, and we offer a quick and E-Z move in process. 


Lease Purchase

Non-Qualifying Lease Option to Purchase Program

Our Non-Qualifying Lease Option to Purchase program is an opportunity for you to re-build your credit and buy a home.

We will:

  • Review a copy of your current credit report with you
  • Provide you with information on “Financial Peace University” and a local credit repair company
  • Refer you to our mortgages company when you are ready to purchase

How we can assist you and your future tenant or buyer?

We Offer a Quick & E-Z Move-In Process

When you get a Lease-Option home from us you can move in quickly and easily. Most of our properties are available for move-in within 2 business days. 

Option Money & Income

 In order to move into one of our homes, you will typically pay 2-3% of the sales price as option money. This gives you the option to purchase the home at any time during the lease. 100% of the option money goes toward the purchase of the home. You can typically get moved in within two business days. The option money is non-refundable if you do not exercise your option to purchase the home. 

Monthly Payment

Monthly payments are payable at the 1st of the month. For every monthly payment made you will receive 5% credit of all your monthly payments at closing. 

How the Lease is structured

The Lease Option to Purchase contract is intended to give you up to 3 years to purchase the home. The initial lease-option period is for a 1 year term. There are two automatic renewals after the 1st year. There is a 5% increase in the monthly payment for each of the 2 annual renewals. Starting in the fourth year, the lease-option will renew on a month-to-month basis with a 3% increase in the monthly payment every 12 months. You have the right to exercise your option to purchase at any time during the lease 

Exercising your Option to Purchase

When you are ready to buy, you can exercise your option to purchase at any time. At this point, you will go through the mortgage lending process. We can refer you to a local mortgage broker, or you may choose any lender you prefer. You will receive credit for 100% of your option money and 5% of your monthly payments. 

Lease Option to Purchase Application


Dear Applicant

Congratulations on taking the next step to getting your next new home!! To ensure the highest quality of service and a quick and easy move-in process, all applications are located on the details page for each property listing.

Simply go to the property of your choice and click on the "apply now" button and the application can be filled out and submitted online. The non-refundable application fee of $30 per applicant can be paid online. Once we recieve the application we will start processing your application right away.

Please review our screening criteria:

-Most all applications can be processed within 24 hours

-Anyone over the age of 18 that will be residing in the property must complete an application regardless of income or credit score

-$30 Non-refundable application fee per applicant must be recieved before your application will be reviewed

Again, we look forward to helping you find your next new home. If you have any questions, please call.



If you own your rental houses free and clear of any mortgage, or your loan is almost paid off, then selling the house using a Purchase Money Mortgage (owner financing) becomes an option. Some of the benefits of offering owner financing include:

  • Higher sales price
  • Higher than market interest rate (because there is no mortgage insurance and the buyer/borrower will not have to go through the hassles of conventional loan process)
  • Lower closing costs

All of these lead to a higher Net at Closing and a better return on investment. If you are looking to turn your rental houses into an income stream, then this is a good way to do that. You move away from the risks of vacancy, delinquency, and maintenance and repair and exchange it for the risk the buyer may default on the loan. But now you get a steady monthly income. If the buyer/borrower does default, this could become an opportunity for profit too. Call for details

Realtor Opps

Realtors, looking for extra money?

Earn 15% Co-Op Upfront On All Lease Option To Purchase Homes!!


Have you been showing properties to buyers that can't get approved?

Instead of losing your client turn them into MONEY!!!

If your clients lease purchase one of our properties, you will receive a commission of 15% of the "option money down"(i.e. option money down $5000 x 15% = $750.00)

* We offer a large selection of homes..

* You can view all our available homes by email me at eedmond@needcapitalfunds.net.

* Your clients can apply online. Select "view details" on a property & then click "apply now".

*Visit the availabe homes page on this site, or call 803-716-9901 for showing instructions.

Investor Profile

Real Estate Investors with Multiple Properties


  • Whether you have 2-5 properties or 100+, we would like to discuss with you how we can help Improve Maximize ROI.

  • We are experienced working with individual investors with multiple properties and with managing for institutional investors and national firms.



  • If you have a house that won't sell, or you don't want to sell, we can help!
  • We can help solve a short term problem, or we can help convert your home to an income producting investment property.

Future Real Estate Investors


  • We work with investors to diversify their investments to include income producing properties.
  • We assist with Acquisition, Renovation and Management for our investors.

Contact Us

Drop us a line!

Better yet, see us in person!

We love our customers, so feel free to visit during normal business hours.

Your real estate investment partner. Smart Investment Group can assist you...

P O Box 1294, Palmetto, GA 30268

(803) 716 - 9901