Land Subdivision Financing for Investors
Finance your subdivision with partial lien releases, flexible repayment as lots sell, and fast 7-day closings.
Loans up to $1 million.
Land Subdivision Financing for Investors
Finance your land subdivision project with flexible terms designed for subdividers. Get approved in 48 hours, close in 7 days, and receive partial lien releases as you sell individual lots. Loans up to $1,000,000.​
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We can provide the acquisition financing and buy the seller financed notes at closing.
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- Partial Lien Releases as Lots Sell
- Flexible Repayment Terms
- 7-Day Closings
- Up to $1M Per Project
- We Buy Seller Financed Notes at Closing
Why Land Subdividers Choose Damen Capital
We understand the unique needs of land subdivision projects. Unlike traditional lenders, we structure loans specifically for subdividers with flexible terms that match your project timeline.
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Partial Lien Releases
Release individual lots as they sell. We provide partial releases quickly so you can close deals with your buyers without delays.
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Flexible Loan Repayment
Pay down the loan as you sell lots. No rigid payment schedule - structure repayment around your sales velocity.
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Fast Closings
Close in 7 days and start your subdivision project immediately. No lengthy approval processes or drawn-out underwriting.
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We Buy Seller Financed Notes
Sell lots with owner financing and we'll buy the notes at closing. Get 80-85% of the note balance immediately while attracting more buyers.
Up to $1M Per Project
Finance larger subdivision projects with loan amounts from $100,000 to $1,000,000.
Direct Funding
We fund from our own account - no broker chains, no committee approvals, no surprises.
Subdivision Financing Program Details
Loan Structure:
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- Loan Amounts: $100,000 to $1,000,000 per subdivision project
- Terms: 2-3 years (structured around your project timeline)
- Down Payment: Typically 20-35% depending on project
- Closing Timeline: 7-10 days from approval
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Partial Release Terms:
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- Release individual lots as they sell
- Release price determined at closing (typically loan amount ÷ number of lots)
- Fast release processing - typically 24-48 hours (depending on county)
- Work with any title company for closings
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Property Requirements:
- Residential zoning (no commercial/industrial)
- Minimum 2 lots after subdivision
- Clear legal access
- Business/investment purpose only
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What We Finance:
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✓ Raw land being subdivided into residential lots
✓ Rural acreage subdivisions
✓ Suburban residential lot splits
✓ Waterfront property subdivisions
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Fast Closings
Close on your land purchase in as little as 7 days. Our streamlined approval process and direct funding eliminate delays and red tape.
Up to 100% Financing
Access up to 100% financing for qualified land subdivide acquisitions. Secure your property without large upfront costs or hidden fees.
No Profit Splits or Joint Ventures
Stay in full control of your land. Our loans never require joint ventures, equity sharing, or profit splits - only clear, borrower-friendly terms.
How Subdivision Financing Works
Step 1: Apply with Your Project Details
Submit basic information about your subdivision project:
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- Property address and description
- Purchase price/current value
- Number of planned lots
- Your experience with subdivisions
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Step 2: Get Approved in 48 Hours
We review your project and provide:
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- Loan amount approval
- Interest rate and terms
- Required down payment
- Timeline to closing
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Step 3: Close in 7 Days
Once approved, we move quickly:
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- Complete title work and documentation
- Fund your loan in 7 days
- Start your subdivision project
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Step 4: Sell Lots with Flexibility
As you sell individual lots:
- Request partial lien release
- We process release in 24-48 hours
- Close with your buyer
- Loan balance reduces automatically
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Step 5: Optional - Sell Notes to Us
If you offer seller financing on lots:
- We buy the notes at closing for 80-85% of balance
- You get immediate cash instead of waiting for payments
- No servicing, no default risk
- Accelerate your project cashflow
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Damen Capital's SimpleLand vacant land acquisition loan program provides financing from $25,000 to $1,000,000 for land investors nationwide. Our competitive interest-only rates are 14% for loans over $100K and 16% for loans under $100K, with flexible 2-year extendable terms. We offer up to 100% financing through cross-collateralization, allowing qualified borrowers to purchase vacant land with zero down payment using additional collateral. Standard loans require just 20% down with a maximum 65% LTV. Our streamlined process delivers 7-day closings with only $600 in total closing costs and a 2% exit fee. No appraisal or survey required—just a simple application process designed for land flippers and investors. The program includes $25 monthly servicing, 5-month minimum interest, and accommodates subdivides and cash-out refinances. Personal guarantee required. Available for business and investment purposes only on residential-zoned vacant land (no commercial or industrial). We also buy seller financed land notes at closing for 80-90% of the loan balance, giving you flexible exit strategies for your land investments.
Example Subdivision Project
​The Numbers:
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Purchase Price: $300,000 (20-acre parcel)
Subdivision Plan: 10 residential lots (2 acres each)
Loan Amount: $240,000 (80% LTV)
Down Payment: $60,000 (20%)
Term: 3 years
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Partial Release Structure:
- Release price per lot: $30,000
- As each lot sells, pay $30,000 to release that lot
- Loan balance decreases with each release​
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​Example Sales Timeline:
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Month 3-6: Sell 3 lots @ $60,000 each = $180,000 gross
- Pay $90,000 in releases (3 lots × $30,000)
- Loan balance reduced to $150,000
- Profit: $90,000
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Month 7-12: Sell 4 lots @ $60,000 each = $240,000 gross
- Pay $120,000 in releases (4 lots × $30,000)
- Loan balance reduced to $30,000
- Profit: $120,000
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Month 13-18: Sell remaining 3 lots @ $60,000 each = $180,000 gross
- Pay off remaining $30,000 balance
- Profit: $150,000
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Total Project Profit: $360,000 on $60,000 down payment ROI: 600% over 18 months
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This example assumes all cash sales. If you sell with owner financing, we can buy those notes at closing for 80% (or more) of balance, accelerating your cash flow even further.
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