By Eric Scharaga | Updated December 2025 | 15 min read If you've tried selling vacant land for cash, you know the frustration. Properties sit listed for 12-18 months with few showings and lowball offers. Meanwhile, you're paying property taxes on land that's not producing income. There's a better way: owner financing (also called seller financing). By offering owner financing, you can sell your land 2-3x faster, attract 10x more qualified buyers, and often get your full askin

By Eric Scharaga | Updated November 2024 | 7 min read What if I told you that you could buy vacant land without putting a single dollar down—using properties you already own instead of cash? Most land investors struggle to scale because every deal requires 20-40% down in cash. You find a great deal, but your cash is tied up in other properties. The opportunity passes. Sound familiar? There's a better way: cross-collateralization . I've been using this strategy for over 15 yea

By Eric Scharaga | Updated November 2024 | 9 min read I recently watched an investor spend three weeks negotiating a 1% lower interest rate on a $80,000 land loan. While he was haggling over terms, another investor swooped in and bought the property cash. The first investor saved exactly $0 by getting a better rate—because he lost the deal. This happens every single day in land investing. Investors obsess over interest rates while competitors who focus on execution close deal

By Eric Scharaga | Updated November 2024 | 10 min read Mike thought he was getting an $80,000 land loan at 12% interest. Simple enough, right? Then came the closing disclosure: 3 points ($2,400) Origination fee ($1,200) Underwriting fee ($800) Appraisal fee ($650) Document prep fee ($500) Commitment fee ($400) Credit report fee ($75) His "simple" loan suddenly cost $6,025 at closing—before making a single payment. That's 7.5% of the loan amount in fees alone. And these were j