💰 Thinking About Owner Financing Your Land Deals?

Here’s the simple version of how we do it:

We usually split a parcel, sell a few lots for cash to cover basis + investor capital, and then owner-finance the remaining ones for long-term cashflow. Best of both worlds.

When we list, we always lead with cash but still offer financing.Typical terms look like:• 5–25% down (higher if credit’s under 650)• 12–14.5% interest• 3–10 year terms

Before financing anyone, we always run credit + background checks. And if someone’s under 600 credit, it’s either a decline or a big 40–50% down payment.

Legal docs matter too — Deed of Trust, Land Contract, or Mortgage depending on your state. Definitely loop in a real estate attorney.

If you want to sell the note later, aim for: $25K+ balance, 20%+ down, 10%+ interest, and an ≤8-year term. That gets you top dollar on places like Paperstac.If you keep it, use a loan servicing company. Don’t manage payments yourself.

What about you — are you offering owner financing on your deals yet?

Drop your experience or questions below. 👇

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