Get up to 100% financing to purchase raw land and undeveloped acreage. No points, no profit splits, no joint ventures. Interest-only payments with direct in-house land financing designed for serious land investors.
Competitive interest-only rates with flexible terms designed for land flippers and investors.
| Loan Amounts | $30,000 – $1,000,000 |
| Rate (Interest-Only) | Loans $100K+: 14%; Under $100K: 16% |
| Exit Fee | 2% of Loan Amount |
| Total Closing Costs | $600 |
| Monthly Servicing | $25 |
| Minimum Interest | 5 Months |
| Term | 2 Years |
| Minimum Down Payment | 20% (0% with Additional Collateral) |
| Maximum LTV | 65% (100% with Cross-Collateral) |
| Cross-Collateralization | Yes – 100% Financing Available |
| Subdivides | Yes – Lien Releases & Additional Advances |
| Cash-Out Refinance | Yes – Based on Purchase Price |
| Closing Timeline | 7 Days |
| Appraisal / Survey | Not Required |
| Personal Guarantee | Required |
| Restrictions | 1 Acre Minimum; No Commercial/Industrial |
| Loan Purpose | Business-Purpose Only |
No commercial or industrial properties. Not available in: CA, AZ, NV, NY, NJ, ND, SD, VT.
Our SimpleLand private land loan program provides direct raw land financing with clear terms — no brokers slowing you down.
Close on your land purchase in as little as 7 days. Our streamlined approval process and direct funding eliminate delays and red tape.
Access up to 100% financing through cross-collateralization. Standard loans require just 20% down with a maximum 65% LTV.
Zero points at closing. Only $600 in total closing costs plus a 2% exit fee when you pay off the loan. Transparent pricing.
Stay in full control. Our loans never require joint ventures, equity sharing, or profit splits — just clear, borrower-friendly terms.
Skip the expensive appraisal process. We evaluate deals quickly based on comparable sales and property fundamentals.
Low monthly carrying costs with interest-only payments on a 2-year extendable term. Focus your capital on acquiring more deals.
Damen Capital's SimpleLand vacant land acquisition loan program provides financing to $1,000,000 for land investors nationwide. Our competitive interest-only rates are 14% for loans over $100K and 16% for loans under $100K, with flexible 2-year extendable terms. We offer up to 100% financing through cross-collateralization, allowing qualified borrowers to purchase vacant land with zero down payment using additional collateral. Standard loans require just 20% down with a maximum 65% LTV. Our streamlined process delivers 7-day closings with only $600 in total closing costs and a 2% exit fee. No appraisal or survey required — just a simple application process designed for land flippers and investors. The program includes $25 monthly servicing, 5-month minimum interest, and accommodates subdivides and cash-out refinances. Personal guarantee required. Available for business and investment purposes only on residential-zoned vacant land (no commercial or industrial). We also buy seller financed land notes at closing for 80-90% of the loan balance, giving you flexible exit strategies for your land investments.
Apply Here →We handle everything in-house. No committees, no brokers, no delays.
Submit your loan application with basic property and deal details. Takes about 5 minutes.
Receive in-house loan approval within 48 hours. We evaluate deals quickly based on comparable sales.
We send your loan documents with clear, transparent terms. No hidden fees or surprises.
We wire funds and close in as little as 7 days. You own the property and keep full control.
Cross-collateralization allows you to use an additional property you already own as collateral to secure 100% financing on your new land purchase — no cash down payment required.
Instead of putting 20% down in cash, you pledge other real estate you own as additional security for the loan. Same interest rate, same terms — you're simply using real estate equity instead of cash for security.
Same property, same loan terms — the only difference is where your down payment comes from.
You maintain full control and can sell your properties at any time. Cross-collateralization does not prevent you from selling any of your real estate.
When you sell a collateralized property, simply contact us before closing. We calculate the release amount (equivalent to what your down payment would have been), the title company pays it at closing, we remove our lien, and you keep the rest. Your loan amount is reduced and monthly payments drop accordingly.
Here's what happens when you sell a property that's been used as cross-collateral. You keep the majority of the proceeds and your loan balance is reduced.
Finance multiple land deals without tying up all your capital. Use leverage to acquire more inventory and increase your velocity.
Close in 7 days and compete with all-cash buyers. Fast financing gives you a real edge in competitive markets.
Unlike joint ventures, you own the property outright. No profit splits, no equity partners — just straightforward financing.
No points at closing, no hidden fees. $600 total closing costs. You know the exact cost before you commit.
Sell with seller financing and we'll buy the note at closing. Or sell for cash, subdivide, or refinance — the choice is yours.
We fund from our own capital. That means faster decisions, better pricing, and a single point of contact — Eric Scharaga, the founder.
Our SimpleLand loan program is available nationwide for business-purpose vacant land acquisitions on residential-zoned parcels (1 acre minimum). Not available in CA, AZ, NV, NY, NJ, ND, SD, or VT. No commercial or industrial properties.
Enter a purchase price and expected hold period to see your estimated costs. Rates are automatically applied based on loan size: 14% for loans $100K+ and 16% under $100K.
A standard 20% down loan doesn't fit every situation. We offer cross-collateral for zero-down acquisitions, JV equity + debt combos, subdivide-and-release programs, and more. We can even provide the JV partner.
See All Deal Structures →We work with land investors across the United States.
"For my subdivide projects, Eric is the only lender I call. Sure, I pay more than I would with a bank, but I'm not stuck waiting two months for an answer. His team is easy to work with, which is why I see them as the leader in the vacant land space."
— Jeff M.
"I've run four different deals through Damen Capital now, and I'm already planning to use them again. The speed and responsiveness stand out, and the terms have always felt fair. Every closing has been smooth, with no drama."
— Caitlyn R.
"Eric actually answers when I call him, every time. That kind of direct access and service is almost impossible to find anywhere else."
— Jared M.
Get approved in 48 hours and close in 7 days. Competitive rates, transparent terms, direct funding.