We purchase seller-financed land notes and provide vacant land acquisition loans throughout Virginia. Serving Northern Virginia, Shenandoah Valley, Virginia Beach, Richmond, Roanoke, Charlottesville and all 133 counties and independent cities.
Virginia offers exceptional land investment opportunities from the Blue Ridge Mountains and Shenandoah Valley to Piedmont horse country, Tidewater waterfront, and fast-growing Northern Virginia suburbs.
We’ve closed 21 land loans across 17 Virginia counties. See every one on our Where We Lend map.
Close fast and beat other buyers
Statewide Virginia coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Have a seller-financed land deal in Virginia? We buy land notes throughout the Commonwealth for 80-90% of the current balance. Close in as little as 7 days and turn your note into immediate cash.
Purchase vacant land in Virginia with our Damen Capital acquisition loan program. Get a written quote in 24 hours and close in as little as 7 days.
Fastest-growing region in Virginia. Massive demand for residential lots and rural acreage in communities like Leesburg, Warrenton, and Haymarket as DC suburbs push westward.
Scenic mountain valley with strong demand for recreational land, hobby farms, and homesteads. Harrisonburg and Staunton anchor a growing market.
State capital with steady suburban expansion. Demand for residential building lots and rural parcels in surrounding counties continues to grow.
Southwest Virginia mountain properties along the Blue Ridge Parkway. Popular for recreational retreats, vacation cabins, and off-grid homesteads.
Coastal market with military-driven demand. Mix of residential development lots and rural acreage in fast-growing Suffolk and Chesapeake corridors.
University town surrounded by wine country and mountain properties. Strong demand for estate parcels, horse farms, and scenic acreage.
Mountain region with affordable land and growing outdoor recreation tourism. Blacksburg and Virginia Tech drive demand in Montgomery County.
Affordable large-acreage parcels with hunting, farming, and timber potential. Smith Mountain Lake properties command premium prices.
Yes. Damen Capital provides private land loans throughout Virginia. Loans from $30K to $1M, interest-only, closings in as little as 7 days, no appraisal required.
Yes. We purchase seller-financed vacant land promissory notes in Virginia at 80-90% of the current balance. No seasoning required.
By default, a subdivision is three or more lots under 5 acres, or any split with a new street. Counties can change that.
Virginia's default definition makes a subdivision three or more lots of less than 5 acres each, or any division that involves a new street. But each county can write its own definition, and many do. Virginia also allows one family division per family member. The county has 60 days to act on a final plat.
County rules on lot size, frontage, and minor vs. major splits sit on top of this, so call the planning office before you buy. For financing, we lend up to 80% of the purchase price if the plat records at closing and every lot passes perc, or 65% at closing plus a 15% holdback released when the plat records and every lot passes perc, never more than 65% of value. See our subdivision loans and the subdivision rules by state guide.
Sources: Va. Code 15.2-2201, 15.2-2244, 15.2-2259. General information, not legal advice.
Yes. We are a direct hard money and private money lender for vacant land in Virginia. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 16% interest only, with 20% down, no appraisal, no points at closing, and as little as 7 days to close.
Some people search for a private money lender, others for a hard money lender. On land it is the same loan. Most of those lenders fund houses and pass on raw land. Land is all we lend on, and we fund our own loans with no broker in the middle. Every loan is for business purposes with a personal guarantee.
Hard money lender for land: see our terms →Whether you're selling a land note or financing your next acquisition in the Old Dominion, we'll give you a clear quote within 24 hours.
Sold Virginia land with seller financing? We purchase seller financed land notes at 80 to 90% of balance: $50,000 minimum property value, $25,000 minimum balance, no seasoning required, performing and non-performing, written offer in 24 hours, closings in as little as 7 days.
See what your note is worth → · How note selling works · Document checklist
Already have an offer on your land note? Send it over and we'll give you ours within 24 hours. How it works →