Frequently Asked Questions

A land note is a seller-financed loan used when the buyer of a piece of land agrees to make payments over time instead of paying the full purchase price upfront. If you're the seller, you're essentially the lender, and the land note is a way to receive payments for your land while still holding a lien until it's paid off. Learn more →

No — we work with land investors and note holders nationwide. Whether you're in Wisconsin, Texas, Florida, or anywhere else in the U.S., we can help. Get your quote →

Yes, completely free with no obligation. We review your deal and provide a fair offer based on the information you share. Get your free quote →

We serve land investors nationwide. Our most active states include Wisconsin, Michigan, Minnesota, Texas, Tennessee, South Carolina, and Ohio, but we work with land investors across the country.

Selling a land note allows you to cash out on the payments you're owed without waiting for the full term to end. Once you submit a request, we evaluate the remaining balance, payment history, and the buyer's status. We then make you a fair, upfront offer. Learn more →

The value depends on several factors: the balance remaining, the interest rate, the buyer's payment history, and the overall terms. We typically pay 80-90% of the remaining note balance. We assess each land note individually to provide a personalized quote. Get a free quote →

Yes — this is our specialty. We can purchase your land note at or soon after closing so you get cash immediately instead of waiting years for payments. We generate all loan documents and complete buyer credit checks. Learn more →

No — we only purchase promissory notes secured by a mortgage/deed of trust. Land contracts (contracts for deed) are a different structure where the buyer doesn't receive the deed until final payment. We recommend the note + mortgage/deed of trust structure for most land sellers. Learn more about the difference →

Higher down payments (20%+), good buyer credit (690+), lower loan-to-value ratio, competitive interest rate (9-12%), desirable property, clean title, proper documentation, and on-time payment history. Higher down payments from buyers = higher payouts when selling notes (up to 90%+). Full details →

Our loans are designed for land investors and developers who want to purchase property with favorable terms. After submitting basic details about your land purchase, we'll evaluate the deal and send you a custom loan offer. Learn more →

Loans from $30K to $1M. Interest-only payments at 14% for loans over $100K and 16% for loans under $100K. 2-year extendable terms with 20% down (or 0% down with cross-collateralization). 7-day closings, no appraisal required, no survey required. Full terms →

Yes — through cross-collateralization. If you own other property, you can use it as collateral to secure 100% financing on your new land purchase with zero cash down. Learn more →

No — we do not require appraisals or surveys. This helps us close faster, typically within 7 days.

Offering seller financing with "Owner Will Finance" listings attracts 2-3x more qualified buyers, lets you sell at full asking price (cash buyers want discounts), and expands your buyer pool to include people who can't get traditional bank financing for vacant land. Full guide →

We recommend 20% down payment, 10.9% interest rate, 8-year term, secured by a promissory note and mortgage/deed of trust. These terms maximize your sale price while creating a note that's highly valuable if you decide to sell it. Full guide →

Typically 84-90% of the total sale price. You keep 100% of the buyer's down payment plus we purchase the note for 80-90% of the remaining balance. For example, on a $100K sale with 20% down: you get $20K down + $64K note purchase = $84K total cash at closing.

Yes, but we do not cross-collateralize properties with values under $50,000.

Same interest rate and terms — you're simply using real estate equity instead of cash for security. There will be additional fees for the paperwork involved in the cross-collateralization. Learn more →

Yes — you maintain full control and can sell your properties at any time. Contact us before closing, we calculate the release amount, the title company pays it, we remove our lien, and you keep the rest. Full details →