Free Course — 14 Modules

The Complete Guide to Seller Financing for Land Investors & Realtors

Everything you need to sell land with seller financing — from pricing and screening buyers to closing, servicing, and selling the note. Whether you're an investor flipping land or a realtor with listings that won't move, this course gives you a proven strategy to close more deals.

14

Modules

250+

Notes Purchased

Free

No Cost

Download the Seller Financing Cheat Sheet

Every rule from all 14 modules on two pages: the four step process, credit matrix, recommended terms, six document provisions, three mistakes, and the math at closing. Plus a one page summary of our note buying program. Free PDF, no signup.

Download the PDF →

Built for Anyone Selling Vacant Land

Land Realtors

Have listings that won't sell? Seller financing expands your buyer pool dramatically. Learn how to present this strategy to your clients and close deals that would otherwise sit on the market.

New to Seller Financing

Never offered seller financing before? This course walks you through every step from first listing to final closing — no experience required.

Experienced Investors

Already selling with terms? Sharpen your underwriting, fix common mistakes, and learn how to sell your notes at closing to accelerate your capital.

Note Holders

Sitting on seller-financed notes? Learn what makes a note valuable, how to maximize your payout, and when to sell for cash.

14 Modules — From Basics to Exit Strategy

Getting Started
1

Introduction to Seller Financing for Land

What seller financing is, why it works, and how it fits into your land business.

Module 1 of 14
Key Takeaways
→ What seller financing is and why it's the fastest way to sell vacant land
→ How offering terms expands your buyer pool 2-3x compared to cash-only listings
→ The basic structure of a seller-financed land deal
2

Pricing Your Property Correctly

Why you should price at fair market value — not bake interest into the price — and how ITV ratios affect note value.

Module 2 of 14
Key Takeaways
→ Why inflating prices to "cover" interest kills your note's resale value
→ How ITV (Investment-to-Value) ratio determines what a note buyer will pay
→ Pricing at fair market value to maximize your total payout
3

Marketing & Screening Buyers

How to attract financed buyers, the two-question screening method, and using Credit Karma to filter fast.

Module 3 of 14
Key Takeaways
→ The two screening questions that filter out unqualified buyers in under 5 minutes
→ How to use Credit Karma as a free pre-screening tool
→ Marketing language that attracts financed buyers to your listings
Structuring & Underwriting
4

Credit Matrix & Buyer Underwriting

The credit score matrix for setting terms — down payments, rates, and risk tiers by score range.

Module 4 of 14
Key Takeaways
→ How to set down payment and interest rate based on buyer credit score
→ The risk tiers that note buyers use to evaluate your note
→ Why a higher down payment from buyers means a higher payout when you sell the note
5

Structuring Your Deal

Interest rates, loan terms, down payments, origination fees, and servicing — the complete deal structure playbook.

Module 5 of 14
Key Takeaways
→ Recommended deal terms: 20% down, 10.9% rate, 8-year term
→ How origination fees and servicing charges affect your bottom line
→ Structuring deals that are attractive to both buyers and note purchasers
6

Promissory Notes vs. Land Contracts

Why promissory notes with a deed of trust beat land contracts — and how the choice affects your note's resale value.

Module 6 of 14
Key Takeaways
→ The critical difference between promissory notes and land contracts
→ Why note buyers won't purchase land contracts (and what to use instead)
→ How the deed transfers in each structure and why it matters
7

Which Properties Qualify

Property types, minimum acreage, access requirements, and what makes a property financeable.

Module 7 of 14
Key Takeaways
→ Minimum acreage, access, and zoning requirements for financeable properties
→ Red flags that make a property difficult or impossible to finance
→ How to evaluate whether a property will produce a sellable note
Closing & Servicing
8

The Closing Process & Documents

Step-by-step closing walkthrough — title companies, documents, recording, and what happens at the table.

Module 8 of 14
Key Takeaways
→ The step-by-step closing process for a seller-financed land deal
→ Which documents you need and who prepares them
→ How to work with a title company on seller-financed transactions
9

Document Management & Loan Servicing

How to manage your documents, set up third-party servicing, and track payments properly.

Module 9 of 14
Key Takeaways
→ Why third-party servicing beats self-servicing for note resale value
→ How to set up and manage a loan servicer
→ Document storage and organization best practices
10

Post-Closing Management & Defaults

What happens when a buyer stops paying — default timelines, collections, and foreclosure basics.

Module 10 of 14
Key Takeaways
→ Default timelines and when to start the collections process
→ Foreclosure basics for seller-financed land deals
→ How to minimize default risk through proper upfront underwriting
Exit Strategy & Advanced Topics
11

Selling Your Note & Velocity of Capital

How to sell your note for cash, what buyers look for, and how velocity of capital multiplies your returns.

Module 11 of 14
Key Takeaways
→ How selling your note at closing converts monthly payments into immediate cash
→ Velocity of capital: how recycling cash through multiple deals multiplies returns
→ What note buyers evaluate and how to maximize your payout
12

Common Mistakes to Avoid

The biggest seller financing mistakes — inflated prices, 0% interest, self-servicing, and skipping title work.

Module 12 of 14
Key Takeaways
→ Why 0% interest and inflated prices destroy your note's value
→ The self-servicing trap and how it reduces your payout by 5-10%
→ Skipping title work: the most expensive mistake in seller financing
13

Step-by-Step Deal Walkthrough

A complete deal from start to finish — listing, buyer screening, structuring, closing, and note sale.

Module 13 of 14
Key Takeaways
→ A real deal walked through from listing to cash in hand
→ Timeline and sequence of every step in the process
→ How all 12 previous modules come together in practice
14

Working with Damen Capital

How to get quotes, what we look for in a note, and how to structure deals we can buy at closing.

Module 14 of 14
Key Takeaways
→ Exactly what Damen Capital looks for when buying a land note
→ How to get a quote and what information to have ready
→ Structuring deals upfront so your note is buyable at closing

Practical Skills You Can Use on Your Next Deal

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How to price seller-financed land without killing your note value

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A simple 2-question method to screen buyers in under 5 minutes

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The credit matrix for setting rates and down payments by score

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Why promissory notes beat land contracts for resale value

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How to close a seller-financed deal properly with a title company

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How to sell your note at closing and collect 84 to 92% of the sale price

Eric Scharaga

Eric Scharaga — Founder, Damen Capital

Eric has purchased over 250 seller-financed land notes and funded millions in land acquisition loans. He's been interviewed by REtipster and other land investing publications on note buying and seller financing strategy. This course distills everything he's learned from the buy side into a practical guide for sellers.

Have Vacant Land Listings That Won't Sell?

Seller financing helps land agents and land brokers move properties that have been sitting on the market. We buy the note at closing — your client gets cash and you get your commission. Learn how it works on our dedicated resource page.

Resources for Land Agents →

Related Reading

Ready to Put This Into Practice?

You've learned the full system — from pricing to closing to selling your note. Now let's do a deal together.

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