Learn how to offer 'Owner Will Finance,' attract more buyers, and collect 84-92% cash at closing through Damen Capital's note buying program. Free guidance based on 250+ notes purchased.
Module 1 of the free course is the fastest complete introduction to seller financing for land: what it is, why financed land sells faster and at a premium over cash listings, how the note and deed of trust work together, and how the payment stream you create becomes an asset you can hold or sell. If you are new to owner financing, start here before reading the rest of this guide, the eight minutes of video makes everything below it easier to follow. It also frames the decision that matters most for sellers: whether to hold the note for monthly income or sell it for cash at closing, both paths are covered in depth further down this guide.
Watch all 14 modules in the free course →
Watch: Seller Financing Best Practices
In this video I walk through the seller financing best practices I have learned from buying land notes. I cover why seller financing sells land faster, how to market a listing to payment shoppers, how to screen a buyer's credit, and the deal structure rules that keep a note worth something. I explain why you should use a loan servicer from the first payment, why a promissory note with a recorded deed of trust or mortgage beats a land contract, and why you close through a title company. I finish with the common mistakes that hurt a note's value and how selling the note gets you your cash back.
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 84-92% cash at closing. No servicing, no default risk, no waiting years for payments.
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 in 43 states. 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 84-92% of the total sale price in cash.
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.
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.
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 = 84-92% total cash immediately.
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.
Based on 250+ notes purchased, these are the terms that produce the highest payout and fastest note sale.
* Different terms are okay — contact us to discuss your specific deal.
Higher credit scores mean lower down payments for your buyer. Higher down payments mean higher payouts for you.
"Do you have 20% to put down?"
"How's your credit?"
* Skip the credit check entirely with 50% down or a buyback guarantee.
Here's what a typical seller financing deal looks like when you sell your note at closing through Damen Capital.
Properties sit on the market for less time with "Owner Will Finance."
No 10% cash buyer discounts. Financing buyers pay full asking price.
Banks don't lend on vacant land. You're the only financing option.
We buy your note at closing for 84-92% — you don't wait years.
We handle payments, collections, and all loan administration.
We assume all risk. If the buyer stops paying, it's our problem.
We generate all loan docs at no cost — promissory note, deed of trust, disclosures.
Buyers with scores as low as 600 qualify with appropriate down payments.
Whether you're selling your first property with owner financing or you're a seasoned land investor, we guide you through the process.
We review your deals to assess risk, structure, and potential returns — helping you make confident decisions on pricing and terms.
We design custom financing options tailored for your land buyers, including term structuring and strategies that maximize your payout.
Learn how to market properties to attract more buyers at full asking price, and screen buyers with two simple questions.
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.
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Eric Scharaga walks through the essential steps to structure seller-financed deals that attract serious note buyers.
In this 46 minute interview on REtipster, Seth Williams and Eric Scharaga walk through how to originate a seller financed land note so it is worth top dollar when you sell it. They cover why a note is only as liquid as its paperwork, pricing land at market value, why credit checks matter, how to set the interest rate and loan term, and why a 20% down payment matters and 0% down deals are a problem. They also cover escrow for property taxes, a lender's title policy, using a loan servicer, keeping the original signed note, the clauses to put in your paperwork, land contracts versus a mortgage or deed of trust, and what a complete loan file looks like to a note buyer. If you plan to sell your notes, watch this before you set your terms.
Want the step by step version? Take our free 14 module seller financing course.
Eric Scharaga joins Ron Apke on the Land Investing Online podcast to talk about selling land on seller financing and how to qualify a buyer.
In this 31 minute episode of the Land Investing Online podcast, Ron Apke talks with Eric Scharaga about selling vacant land with seller financing. Eric shares how he went from rental properties to land notes, then walks through the process of selling land on terms, step by step. The longest part of the conversation is how to qualify a buyer for seller financing, the step that decides whether the note is worth anything later. It closes with Eric's advice for land investors who want to use seller financing to sell faster.
Want to go deeper? Our free seller financing course covers everything from pricing and buyer screening to closing and selling your note.
Take the Course →Have vacant land listings that won't sell? See how seller financing helps land agents close more deals and earn their commission.
Resources for Agents →Get a free quote, plus help structuring deals, screening buyers, and selling your note at closing for 84-92% cash. 250+ notes purchased from land investors in 43 states.
Already have an offer on your land note? Send it over and we'll give you ours within 24 hours. How it works →