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

150+

Notes Purchased

Free

No Cost

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

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

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

The credit matrix for setting rates and down payments by score

Why promissory notes beat land contracts for resale value

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

How to sell your note at closing and collect 80-90% of the sale price

Eric Scharaga

Eric Scharaga — Founder, Damen Capital Fund

Eric has purchased over 150 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 →

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.

Get a Free Quote → Sell Your Note →