Expert guidance on selling land notes, acquisition financing, seller financing strategies, and growing your land business.
Why land loans stop at 65% of value, the math on a $100,000 parcel, and how to borrow more with cross collateral.
Read More →Deed of trust vs contract for deed, foreclosure notice, usury and licensing rules for Texas land sellers, with statutes linked.
Read More →Deed of trust vs land contract, clerk foreclosure, usury and licensing rules for North Carolina land sellers, with statutes linked.
Read More →Deed of trust, foreclosure notice, interest caps and licensing for Tennessee land sellers, with statutes linked.
Read More →Banks want 20% to 50%. We need 20% on a good buy, up to 35% at full price, or 0% with a second property. The math, in dollars.
Read More →Call your bank to recall the wire, report it to the FBI and FTC, and watch for recovery scams.
Read More →Never pay a loan broker up front. How legit brokers get paid, how to check one, and the red flags.
Read More →Never pay a lender before closing. Five checks to spot a fake land lender before you send a dime.
Read More →Unpaid property taxes come ahead of your lien, and a tax sale can wipe you out. How to catch it, add escrow, or pay and add it to the balance.
Read More →The automatic stay stops collection, but your lien survives. Chapter 7 vs. Chapter 13, cramdown on land, and the claim you need to file.
Read More →Everyone who signed still owes the note, whatever the decree says. What to do when your buyers split up, and when to release a spouse.
Read More →The debt and your lien survive. Who pays now, the probate claim deadline, and your options if the heirs do not want the land.
Read More →A partial assignment of mortgage transfers a share of a loan's lien to an investor and is recorded with the county.
Read More →Three ways to invest in private loans compared: what you own, whether your name is on the county record, and who picks the loans.
Read More →What a broker adds, what it costs, the questions that reveal who funds your loan, and the red flags.
Read More →Zoning first, site work and permits, first tenants, and how financing changes from raw land to an operating yard.
Read More →Who each loan is for, why private land lenders only make business purpose loans, and where to go if you will live on the land.
Read More →What to send on day zero, entity documents, title items to clear early, and what you need on closing day.
Read More →How to finance a startup truck yard, RV storage, or IOS lot with no tenants: how much, what zoning must show, and the path to 65%.
Read More →What seasoning is, why note buyers ask for it, and how we buy land notes at closing with no payment history.
Read More →How private lenders value land from sold comps instead of an appraisal, how much they lend, and what to send.
Read More →Road frontage, lot demand, lot count, perc, slope, water, power, lot prep, and how to sell the lots.
Read More →We fund your purchase, you resell with owner financing, and we buy the note at closing. Every dollar on one example deal.
Read More →Conventional vs. mound, aerobic, and drip systems, what each does to value and financing, and who issues septic permits in 8 states.
Read More →County rules, access, perc tests, survey, plat approval, and selling the lots. Timelines and costs for each step.
Read More →Find a motivated seller, price from comps, close in as little as 7 days, and resell for cash or on terms. With the real numbers from a Florida flip.
Read More →Most land sellers try cash first and add owner financing after months of no offers. Why terms belong in the first listing, and how to cash out at closing.
Read More →Banks, Farm Credit, hard money, private land lenders, and seller carry compared for subdivide deals, with the questions to ask before you sign.
Read More →What seller carryback financing is, how a carry back note works on a land sale, how to structure it, and how to sell the carryback note for cash at closing.
Read More →Can you get a loan against land you own? How land equity loans work, how much you can borrow, what it costs, and when cross collateral beats a cash out.
Read More →Hard money and private money both fund land deals fast. What each term means, how they differ in cost and control, and which one fits your next land purchase.
Read More →How land flippers use hard money to buy fast and resell. Real numbers from a Florida flip, what it costs, and what a hard money lender for land looks for.
Read More →Your bank said no to a land loan. Here is why banks turn down raw land, and five ways investors still close the deal, from private loans to cross collateral.
Read More →Can you get a land loan in your LLC? Yes. What business purpose means, what documents your LLC needs, and why lenders still ask for a personal guarantee.
Read More →Land sitting for months? Why vacant land does not sell, how to fix each reason, and how seller financing can sell it and still get you cash at closing.
Read More →Your land buyer stopped paying. You can foreclose, work it out, or sell the non performing note for cash. How each works, what it costs, and what we buy.
Read More →Inherited a land note from a parent or relative? What you own, who can sign, how it is taxed, and how to sell it for a lump sum instead of years of payments.
Read More →How the IRS taxes owner financed land sales, what happens when you sell the note, and why land dealers are treated differently. Plain English, with IRS sources.
Read More →Does Dodd Frank apply when you seller finance vacant land? Plain English on the ability to repay rule, when you count as a creditor, and when to call a lawyer.
Read More →Trying to sell a land contract for cash? Why most note buyers will not buy one, what your options are, and how to set up your next sale so the note can be sold.
Read More →Most land lenders will not let you sell on owner financing and wrap their loan. Why, what the due on sale clause does, and a lender that allows wraps.
Read More →Selling lots on owner financing? Compare paying your lender a release on every lot with keeping the loan in place and wrapping it. Real numbers.
Read More →How we value land you plan to subdivide: sold comps, market time, price cuts, and competing listings. Plus the 3 deal killers and how to get 80% financing.
Read More →A minor subdivision is a few lots with no new road. A major one needs a full plat review. How each works, how long it takes, and how it changes your loan.
Read More →One perc test on the parent parcel is not enough. Why every lot needs its own test, when to order it, and how perc results change your lot sales and your loan.
Read More →A land split divides a parcel into a few lots without a full plat. A subdivision goes through plat review. How each works, plus Michigan's new rules.
Read More →A minor plat often takes 6 to 10 weeks once submitted. A major subdivision can take 4 to 12 months. The steps, what slows them down, and how to fund the wait.
Read More →A private land loan can close in as little as 7 days. A bank loan on raw land often takes weeks. The day by day timeline, and what slows a closing down.
Read More →A direct land note buyer pays with its own money. A note broker shops your note and takes a cut. How to tell them apart before you sell.
Read More →Seven private lenders that fund vacant land, compared on loan size, rate, LTV, states, and closing speed, using each lender's own published terms.
Read More →Forty five days to identify, 180 to close, and the bank needs 90. How a farmland bridge loan closes the replacement parcel on the exchange clock, with a worked example.
Read More →Three heirs, one farms it, the court set a date. How a farmland bridge loan funds the sibling buyout in days, how it is sized, a worked example, and how a sibling can carry a note instead.
Read More →Pledge the farm you own, close the neighbor's ground with no down payment, refinance into Farm Credit after harvest. Plus what a farmland note is worth if you sell on terms.
Read More →Borrow against your land note or sell it? The discount vs interest math, the 18 to 24 month crossover, the tax pledge rule, and when each one wins.
Read More →The one document that makes a note loan secure: what it says, why it is recorded, and the allonge, UCC-1, custody, and servicer notice around it.
Read More →How land flippers borrow against a pool of seller financed notes: eligibility, advance rates, the real cost against selling, and what lenders check.
Read More →Eric Scharaga on the Legends of Land podcast: how land notes work, why seller financing sells land faster, and how a note buyer prices a deal.
Read More →No comps, no building, no appraisal that survives committee. How a lender sets the value on a truck yard: the price paid, verified deposits, and a simple coverage test.
Read More →The difference between a yard that is permitted by right and one that runs on a conditional use permit is the difference between a loan and a decline. How to check, and what a zoning letter is.
Read More →You built or bought a storage lot, it is full, and the equity is stuck in the gravel. How a cash out refinance works on RV and boat storage, what it takes, and how fast it closes.
Read More →A bank is cheaper if it says yes. A private lender is faster and says yes more often. The honest comparison for truck yards, RV storage, and IOS, and how to decide which to call first.
Read More →The rent roll gets you a conversation. The deposits get you a loan. What a lender actually checks on a truck parking rent roll, how to line it up with bank statements, and what costs borrowers leverage.
Read More →Why banks decline profitable truck yards and how specialists fund them: in-house underwriting, zoning strength, deposits over rent rolls, and real terms.
Read More →How storage lots get valued without an appraisal, the occupancy math lenders check, and the moves that make your facility financeable.
Read More →IOS explained: what qualifies, why zoning decides everything, leased versus operator yards, and how small and mid-size yards get funded.
Read More →Two or more lenders, one recorded mortgage. How co-lending works start to finish, how it beats participations and fractions, and the five things to verify in a partner.
Read More →How participations split one loan among funders, pari passu vs senior sub, the five questions that decide if one is any good, and why co-lending is the stronger seat.
Read More →The honest version of the fractional pitch: control, the securities question, illiquidity, and the two structures that deliver the small ticket without the problems.
Read More →Survey, platting, PERC, county fees, and the road access budget killer. Minor vs major splits, budgeting backward from lot comps, and how the buy gets financed.
Read More →The clause that makes subdividing with a loan possible: release formulas, the 125% multiplier, closing mechanics, and a worked 8-lot example.
Read More →Financed lots sell in weeks at a premium. How to write notes worth 80-90% of balance, and how to walk away from lot closings with cash anyway.
Read More →Powered land near substations trades at 3 to 10x farm value. What drives the premium, the moratorium risk nobody prices, and how investors finance the play.
Read More →Auction terms are built for cash buyers: 10% deposit day of sale, settlement in 35 days, no contingencies. The full playbook, including how bridge financing covers the gap.
Read More →A recorded solar option makes land hard to sell and nearly impossible to finance through banks. What the memorandum means and what your real options are.
Read More →Land loan requirements vary dramatically by lender. Banks need 30-50% down and 700+ credit. Private lenders need 20% down with flexible terms. Full breakdown.
Read More →Holding a seller-financed land note and want to cash out? Here is exactly how to sell your land note for 80-90% of the balance in 7 days — step by step.
Read More →Most land notes sell for 70-90% of balance. Here are the 5 factors that determine exactly where your note lands — and how to structure deals to maximize your payout.
Read More →Cash-only land listings sit for months. Seller financing expands your buyer pool, gets you full asking price, and lets you cash out immediately by selling the note.
Read More →Seller financing expands your buyer pool, speeds up your sale, and often gets you a higher price. Here's how to structure a deal and what to do with the note after closing.
Read More →Bridge loans for land let investors close fast on vacant land deals. Learn how land bridge loans work, what they cost, and when to use one.
Read More →The short answer is yes — if you understand the strategies. Learn how investors profit from raw land through flipping, subdividing, and seller financing.
Read More →Land loan rates range from 7-16% depending on lender type. Compare banks, private lenders, and seller financing to find the best deal for your situation.
Read More →Need funding to buy land? Compare 7 options from private lenders to seller financing to zero-down strategies like cross-collateral and JV equity.
Read More →How to finance land when banks say no. Compare rural land loans, private lenders, seller financing, cross-collateral, and more — with a side-by-side comparison table.
Read More →Banks offer lower rates but take 30-60 days and can deny you at closing. A private land lender can quote in 24 hours and close in as little as 7 days. Here's why certainty matters more than rate.
Read More →Vacant land listings sitting with no offers? Seller financing expands the buyer pool and gets deals done. Learn how land agents and brokers use seller financing to move properties faster.
Read More →Selling land with owner financing can help you move properties faster and at better prices — but it also means waiting years to collect your money.
Read More →Land investors obsess over interest rates. But if a slightly lower rate means weeks of delays or losing the deal entirely, that "better" rate costs more than it saves.
Read More →Most land investors know to ask "What's the interest rate?" Fewer ask "What else are you charging me?" Many private land loans look fine on the surface, but the real cost is much higher.
Read More →Small land flips are great for building experience. But at some point, the opportunities get bigger. That's where financing becomes the bottleneck.
Read More →You sold a $100,000 land parcel with seller financing. Now you're collecting $850/month for 10 years. But is this the best use of your capital?
Read More →Cash buyers want discounts. Seller financing attracts more buyers at higher prices but ties up your capital. What if you could have both?
Read More →How a wraparound mortgage works on vacant land, the due on sale risk, how to set one up right, and a land lender that allows wraps.
Read More →Tom bought 10 acres in rural Tennessee for $45,000. No title insurance — he wanted to save the $800. Six months later, he discovered the property was landlocked.
Read More →You're about to sell your land with seller financing. Your attorney hands you a "land contract." Seems simple enough — but you just made a $50,000 mistake.
Read More →Podcast interview on land note investing, seller financing, and how to offer terms while still getting cash at closing.
Read More →Jennifer thought she'd done everything right. She'd offered seller financing on her Arizona land deal. Two years later, she needed capital — and her offers were shockingly low.
Read More →Most land investors obsess over finding the perfect deal with the highest profit margin. But experienced investors know: how fast you turn deals matters more.
Read More →You sold a piece of land with owner financing, and now you're receiving monthly payments. But what if you need cash now instead of waiting 8-10 years?
Read More →