We fund vacant land purchases for investors in and around Waco, Texas: McLennan, Hill, Falls, Coryell, and Bosque counties. Written quote in 24 hours, close in about 7 days.
Waco sits on I-35 between Dallas and Austin, with rural acreage and homesite tracts in every direction. Investors buy it, split it, and resell it on terms.
Close fast and beat other buyers
Land loans around Waco
We value the land ourselves
You deal with the person who funds the loan
Acreage and homesite tracts around the city.
Rural land north along I-35 and around Lake Whitney.
Farm and ranch land to the southeast.
Hill country edge acreage to the west.
Our Waco land loans are for investors and businesses buying vacant land to resell, hold, or split in McLennan, Hill, Falls, Coryell, and Bosque counties.
Loan size runs from $30,000 to $1,000,000 and is up to 65% of value, capped at 80% of the purchase price. Rates are 14% interest only on loans of $100,000 and up and 16% under $100,000, for a 2 year term, with no points at closing. Costs outside the rate are simple: $600 at closing, $25 a month for servicing, a 2% exit fee at payoff, and a 5 month minimum on interest. There is no appraisal. We underwrite from the contract price, recent sold comps, road access, and how fast similar parcels have sold in that county. If the numbers work, you get a written quote within 24 hours and close in about 7 days.
The parcel has to be at least 2 acres with deeded or recorded easement access. Texas uses deeds of trust. Read the title for severed mineral rights, ask whether the ag valuation stays after you buy, and check the county's subdivision rules before you promise lots.
In the Waco area, what sells fastest is homesite tracts within a short drive of Waco and the I-35 corridor, and land around Lake Whitney. Buyers from Waco, Temple, and the Dallas and Austin areas look here for lower prices, and many want monthly payments instead of a bank loan.
Many Waco area buyers want monthly payments instead of a bank loan, so reselling on terms is a natural exit. If you sell that way, we can buy the note you create for 80 to 90% of the balance.
A 12 acre Texas land purchase financed with a $76,000 loan, closed in 7 days with no appraisal.
Read the Texas loan case study →Yes. We fund vacant land purchases in and around Waco, including McLennan, Hill, Falls, Coryell, and Bosque counties, from $30,000 to $1,000,000 with 20% down and no appraisal.
About 7 days once we have a signed contract, clear title, and your entity documents. You get a written quote within 24 hours.
14% interest only on loans of $100,000 and up, 16% under $100,000, for 2 years. $600 at closing, $25 a month servicing, and a 2% exit fee at payoff.
Vacant land of 2 acres or more with legal access, bought by an LLC or corporation for a business purpose such as a flip, a split, or a resale on terms.
Yes. If you sell Waco area land with seller financing, we can buy the note for 80 to 90% of the balance, at closing or later.
We are a direct hard money and private money lender for vacant land in Waco, TX. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 14% to 16% interest only, with 20% down, no appraisal, no points at closing, and about 7 days to close. Every loan is for business purposes with a personal guarantee.
See our hard money land loan terms →Send the contract and the parcel. Written quote in 24 hours, close in about 7 days.