We purchase seller-financed land notes and provide vacant land acquisition loans throughout Florida. Serving Orlando, Tampa, Jacksonville, Miami, Cape Coral, Ocala, Panama City and all 67 counties.
Florida offers exceptional land investment opportunities from booming Central Florida corridors and Gulf Coast waterfront to sprawling ranch land, retirement communities, and one of the hottest vacant land markets in the country.
We’ve closed 30 land loans across 17 Florida counties. See every one on our Where We Lend map.
Close fast and beat other buyers
Statewide Florida coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Have a seller-financed land deal in Florida? We buy land notes throughout the Sunshine State for 80-90% of the current balance. Close in as little as 7 days and turn your note into immediate cash.
Purchase vacant land in Florida with our Damen Capital acquisition loan program. Get a written quote in 24 hours and close in as little as 7 days.
Florida's fastest-growing corridor. Enormous demand for residential lots and rural acreage as the I-4 corridor and surrounding communities expand rapidly.
Booming metro with suburban growth pushing north and east. Strong demand for residential building lots in Wesley Chapel, Land O'Lakes, and Riverview.
One of the most active land markets in the country. Cape Coral alone has thousands of vacant lots trading regularly. High volume of seller-financed deals.
Fast-growing metro with affordable land compared to South Florida. St. Johns County is one of the fastest-growing counties in the state.
Horse country and retirement destination. The Villages drives massive demand in Sumter County. Ocala offers affordable acreage with strong resale potential.
Gulf Coast beach communities and military bases drive demand. Panama City Beach, Destin, and Navarre areas see consistent buyer interest for residential lots.
East coast corridor with aerospace industry growth. Palm Bay and Port St. Lucie are among the fastest-growing cities in Florida.
Gainesville anchors a market with affordable rural acreage, springs properties, and river frontage. Popular for homesteaders and hobby farms.
Yes. Damen Capital provides private land loans throughout Florida. Loans from $30K to $1M, interest-only, closings in as little as 7 days, no appraisal required.
Yes. We purchase seller-financed vacant land promissory notes in Florida at 80-90% of the current balance. No seasoning required.
Florida's plat law covers three or more lots. The county controls unincorporated land, and septic lots start at 1/2 acre.
Florida defines a subdivision as three or more lots, so a split into two parcels falls outside the state law. Counties have exclusive control in unincorporated areas and can add their own rules. Plat approval is administrative. On septic, the state rule generally requires a lot of at least 1/2 acre, with sewage flow limits per acre.
County rules on lot size, frontage, and minor vs. major splits sit on top of this, so call the planning office before you buy. For financing, we lend up to 80% of the purchase price if the plat records at closing and every lot passes perc, or 65% at closing plus a 15% holdback released when the plat records and every lot passes perc, never more than 65% of value. See our subdivision loans and the subdivision rules by state guide.
Sources: Fla. Stat. 177.031, 177.071, Florida DEP, Rule 62-6.005. General information, not legal advice.
Yes. We are a direct hard money and private money lender for vacant land in Florida. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 16% interest only, with 20% down, no appraisal, no points at closing, and as little as 7 days to close.
Some people search for a private money lender, others for a hard money lender. On land it is the same loan. Most of those lenders fund houses and pass on raw land. Land is all we lend on, and we fund our own loans with no broker in the middle. Every loan is for business purposes with a personal guarantee.
Hard money lender for land: see our terms →Whether you're selling a land note or financing your next acquisition in the Sunshine State, we'll give you a clear quote within 24 hours.
Sold Florida land with seller financing? We purchase seller financed land notes at 80 to 90% of balance: $50,000 minimum property value, $25,000 minimum balance, no seasoning required, performing and non-performing, written offer in 24 hours, closings in as little as 7 days.
See what your note is worth → · How note selling works · Document checklist
Already have an offer on your land note? Send it over and we'll give you ours within 24 hours. How it works →