Seller Financing Guide

Sell Land 2-3x Faster at Full Asking Price with Seller Financing

Learn how to offer 'Owner Will Finance,' attract more buyers, and collect 84-90% cash at closing through Damen Capital's note buying program. Free guidance based on 150+ notes purchased.

You Act as the Bank for Your Land Buyer

Seller financing (also called owner financing) is when you allow your land buyer to make monthly payments to you instead of requiring them to get a traditional bank loan — which banks rarely give for vacant land.

The problem with traditional seller financing: you'd wait 5-10 years for full payment, manage monthly collections, and risk buyer default.

The solution: Damen Capital purchases your land note at closing for 80-90% of the balance. You offer financing to sell faster, then immediately sell us the note and collect 84-90% cash at closing. No servicing, no default risk, no waiting years for payments.

The Damen Capital Advantage

You get the benefits of seller financing — faster sale, full asking price, larger buyer pool — without the downsides.

We purchase 50+ notes per year from land investors nationwide. We handle all loan documents, servicing, and collections at no cost to you.

Result: You sell faster, get paid at closing, and walk away with 84-90% of the total sale price in cash.

Why Seller Financing Works for Land Sellers

1

Sell 2-3x Faster

Properties advertised with "Owner Will Finance" attract significantly more buyers. Banks rarely lend on vacant land, so most buyers are limited to cash-only purchases. Offering seller financing opens your property to a much larger buyer pool.

2

Get Full Asking Price

Cash buyers expect 10% discounts. Seller financing buyers pay full list price because they're getting attractive financing terms. You don't have to discount your land to sell it.

3

Collect 84-90% Cash at Closing

With Damen Capital's note buying program, you don't wait for payments. We purchase your note at closing for 80-90% of the balance. You keep 100% of the down payment + 80-90% of the note = 84-90% total cash immediately.

4

Zero Default Risk

When we buy your note at closing, you have zero risk. No worrying about missed payments, no foreclosure processes, no servicing headaches. We take on all future risk.

Recommended Terms for Maximum Profit

Based on 150+ notes purchased, these are the terms that produce the highest payout and fastest note sale.

Recommended Loan Terms

Down Payment 20% minimum
Interest Rate 10.9%
Loan Term 8 years
Documentation Promissory Note + Deed of Trust

* Different terms are okay — contact us to discuss your specific deal.

What You Keep vs. What Buyer Pays

You Keep: Down Payment 100%
You Keep: Note Purchase 80-90% of balance
Total Cash to You 84-90% of sale price
Buyer Pays: Loan Fee $500
Buyer Pays: Servicing $25/month
Your Cost $0

Down Payment Requirements by Credit Score

Higher credit scores mean lower down payments for your buyer. Higher down payments mean higher payouts for you.

690+
20%
Down Payment
630–689
30%
Down Payment
601–629
40%
Down Payment
Under 600
50%
Down Payment

Two Questions to Screen Every Buyer

Question 1

"Do you have 20% to put down?"

Question 2

"How's your credit?"

* Skip the credit check entirely with 50% down or a buyback guarantee.

See the Numbers on a $100K Sale

Here's what a typical seller financing deal looks like when you sell your note at closing through Damen Capital.

$100,000 Land Sale

Sale Price $100,000
Buyer Down Payment (20%) $20,000
Note Balance $80,000
We Purchase Note (84%) $67,200
Total Cash to You at Closing $87,200
PRO TIP: Higher down payment = higher payout. Deals with 30-50% down can reach 90%+ total cash to you.

Benefits of Selling Land with Seller Financing

Sell Faster

Properties sit on market 2-3x less time with "Owner Will Finance."

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Higher Sale Price

No 10% cash buyer discounts. Financing buyers pay full asking price.

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Larger Buyer Pool

Banks don't lend on vacant land. You're the only financing option.

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Immediate Cash

We buy your note at closing for 84-90% — you don't wait years.

No Servicing

We handle payments, collections, and all loan administration.

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No Default Risk

We assume all risk. If the buyer stops paying, it's our problem.

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Simple Documentation

We generate all loan docs at no cost — promissory note, deed of trust, disclosures.

All Credit Accepted

Buyers with scores as low as 600 qualify with appropriate down payments.

Expert Guidance at Every Step

Whether you're selling your first property with owner financing or you're a seasoned land investor, we guide you through the process.

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Deal Evaluation & Strategy

We review your deals to assess risk, structure, and potential returns — helping you make confident decisions on pricing and terms.

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Note Sale at Closing

We design custom financing options tailored for your land buyers, including term structuring and strategies that maximize your payout.

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Marketing & Buyer Screening

Learn how to market properties to attract 2-3x more buyers at full asking price, and screen buyers with two simple questions.

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Free Download

Seller Financing Strategies Guide

Learn how top land investors use seller financing to sell faster, earn more, and scale their business. Get the guide free — just request a copy.

Send Me the Free Guide →

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Ready to Sell Land Faster with Seller Financing?

Get free guidance on structuring deals, screening buyers, and selling your note at closing for 84-90% cash. Over 150+ notes purchased from land investors nationwide.

Get a Free Quote → Call 302-526-0200