Private land loans and note purchasing throughout Ohio — Columbus metro growth corridors, Appalachian foothills recreational land, and western agricultural parcels. 7-day closings, no appraisal required.
Ohio has strong and diverse land demand — Columbus is one of the fastest-growing metros in the Midwest, the Appalachian foothills draw recreational buyers, and western Ohio agricultural parcels move consistently. Banks pass on most of it regardless.
Close fast and beat other buyers
Statewide Ohio coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Have a seller-financed land deal in Ohio? We buy land notes throughout the state for 80-90% of the current balance. Close in 7 days and turn your note into immediate cash.
Purchase vacant land in Ohio with our Damen Capital acquisition loan program. Get a written quote in 24 hours and close in 7 days.
Ohio's fastest-growing metro with aggressive suburban expansion. Delaware County consistently ranked among fastest-growing counties in the state.
Lake Erie shoreline properties and eastern suburbs. Geauga County horse country and rural properties attract buyers seeking acreage near the metro.
Tri-state metro with suburban growth. Warren County among Ohio's fastest-growing. Mix of residential development and rural properties.
Tourism-driven market near Hocking Hills State Park. Strong demand for cabin sites, recreational land, and Airbnb investment properties.
Affordable recreational land and hunting properties. Rolling hills, hardwood forests, and creek frontage. Growing interest from metro buyers.
Productive agricultural land and rural properties. Grand Lake area recreational properties. Steady market with lower price points.
Looking to buy Ohio land with owner financing? Many sellers across the state offer seller-financed terms on vacant land — from Appalachian foothills to Lake Erie shoreline to farmland in the western counties. Owner financed land gives buyers flexible terms and faster closings without bank approval.
If you're a land investor selling owner financed land in Ohio, we can buy your promissory note at closing — turning your seller-financed deal into immediate cash. Or if you're looking to buy Ohio land, our acquisition loans close in 7 days with no appraisal required.
A land loan in Ohio from Damen Capital is an acquisition loan on vacant land, nothing else. We lend to investors and businesses buying parcels to resell, hold, or split. That covers the deals that actually trade across the state: Appalachian acreage in Hocking, Athens, Vinton, and Jackson Counties, hunting and recreational tracts in Muskingum, Guernsey, and Noble, growth ring lots around Columbus in Delaware, Licking, Fairfield, Union, and Madison Counties, exurban parcels north of Cincinnati in Warren and Clermont, and farm and homesite acreage in the western counties.
We’ve closed 19 land loans across 17 Ohio counties. See every one on our Where We Lend map.
Loan size runs from $30,000 to $1,000,000, up to 65% of value, capped at 80% of the purchase price. Payments are interest only for 2 years. On a $71,200 loan that is about $831 a month while you market the property. No appraisal. We underwrite from the contract price, sold comps in the county, road access, and how quickly similar parcels move. Written quote within 24 hours, closing in as little as 7 days through an Ohio title agency of your choosing.
The parcel has to be at least 2 acres with deeded or recorded easement access. Ohio is a judicial foreclosure state, so we put more weight on access, clean title, and resale demand than on the borrower. Parcels in counties with a steady record of land sales at your price point are the easiest to fund. Strip mine reclamation land, landlocked tracts, and parcels with unresolved mineral or oil and gas issues get extra scrutiny.
An investor found a distressed seller with 15 acres in Ohio at $89,000. He brought 20% down ($17,800) and we funded $71,200 at 14% interest only. The loan closed in 7 days with no appraisal. He held the parcel 9 months, then resold it to a cash buyer at a premium and paid us off. Total cost of capital including interest, the $600 closing fee, and the 2% exit fee was $9,728.
Yes. Damen Capital makes private land loans in all 88 Ohio counties, from $30,000 to $1,000,000. Interest only, no appraisal, 7 day closings. We fund the purchase of vacant land for investors and businesses.
20% of the purchase price. Own another vacant parcel free and clear? We can cross collateralize it and fund 100% of the purchase with nothing down. Maximum loan to value is 65% on a single parcel.
14% interest only on loans of $100,000 and up, 16% under $100,000. Closing costs are a flat $600. There is a 2% exit fee at payoff, a 5 month minimum interest charge, and $25 a month servicing. Term is 2 years.
We do not fund construction, site work, entitlement costs, commercial buildings, parcels under 2 acres, or land you plan to live on. The loan covers the acquisition only. We look for legal access and a clear resale market in that county.
Yes. If you sold Ohio land with seller financing, we buy the promissory note at 80 to 90% of the balance, including new notes at closing. $50,000 minimum property value, $25,000 minimum balance, 65% maximum investment to value, performing and non performing.
Ohio has a fast "no plat" approval for up to five lots on an existing road, decided in 7 business days.
In Ohio, a subdivision is a division where any parcel is under 5 acres. Parcels of more than 5 acres with no new streets or access easements are exempt. And a split of up to five lots along an existing public road, with no new road, can get no plat approval within 7 business days. Full plats get 30 days.
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: Ohio Rev. Code 711.001, 711.131, 711.10, OAC 3701-29. General information, not legal advice.
Yes. We are a direct hard money and private money lender for vacant land in Ohio. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 14% to 16% interest only, with 20% down, no appraisal, no points at closing, and about 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 Buckeye State, we'll give you a clear quote within 24 hours.
Sold Ohio 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 about 7 days.
See what your note is worth → · How note selling works · Document checklist