Expert guidance on selling land notes, acquisition financing, seller financing strategies, and growing your land business.
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 approves in 48 hours and closes in 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 →Zero-down land deals sound like a gimmick — until you realize many experienced investors do it all the time by using equity they already have.
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 →If you're buying or selling vacant land, you've probably heard about wraparound mortgages as a creative financing option. But do they actually work for raw land?
Read More →If you've ever tried to get a bank loan for vacant land, you know how frustrating it is. Banks almost always say no to raw land purchases. That's where hard money loans come in.
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 →