We fund vacant land purchases and buy seller financed land notes across all 39 Washington counties, from the Olympic Peninsula to the Palouse.
Washington land splits in two. West of the Cascades, timber and rural homesites near growing cities. East of the mountains, lower priced dry land, recreational acreage, and farm ground.
Close fast and beat other buyers
Statewide Washington coverage
We value the land ourselves
You deal with the person who funds the loan
Buy vacant land in Washington with a Damen Capital acquisition loan. Written quote in 24 hours, close in about 7 days.
Selling Washington land with seller financing? We buy land notes for 80 to 90% of the balance, at closing or any time after.
Wooded rural acreage within reach of the I-5 cities.
Timber, recreational, and coastal parcels.
Low priced wooded and mountain acreage north of Spokane, popular with buyers on terms.
Recreational and dry land parcels east of the North Cascades.
Farm ground and rural acreage in wheat country.
Washington land loans from us are for investors and businesses buying vacant land to resell, hold, or split. That covers most of what trades here: wooded acreage in Mason and Lewis Counties, recreational land in Okanogan and Stevens Counties, and farm ground in the southeast.
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. Closings run through a Washington title and escrow company.
The parcel has to be at least 2 acres with deeded or recorded easement access. In Washington, water and county rules drive value. Know whether the parcel has a well, a water right, or neither. Counties also regulate wetlands, streams, and steep slopes as critical areas, which can shrink the buildable part of a parcel, so check the county's maps before you price the resale. Washington uses deeds of trust, but we still lend on access, clean title, and resale demand first.
Rural buyers in eastern Washington often want monthly payments instead of a bank loan, so reselling on terms is a natural exit. If you sell that way, we can also buy the note you create, at closing or later, for 80 to 90% of the balance.
What sells fastest in Washington depends on the side of the mountains. West of the Cascades, wooded parcels with power nearby and a buildable spot move to buyers from the I-5 cities. East of the Cascades, lower priced recreational acreage in Stevens, Ferry, and Okanogan Counties sells well on terms to buyers who want room and a cabin site.
We do not buy land outright. But if cash buyers are lowballing you or bank financing keeps falling through, sell the land yourself with seller financing: collect a down payment and carry a note. Then we buy that note for 80 to 90% of the balance, at closing if you want, so you walk away with most of your sale price in cash.
Yes. Private land acquisition loans from $30,000 to $1,000,000 anywhere in Washington, 20% down, no appraisal, about 7 days to close, business purpose only, 2 acre minimum.
Up to 65% of our value of the land, and never more than 80% of the purchase price. Loans run $30,000 to $1,000,000.
14% interest only on loans of $100,000 and up, 16% under $100,000, for 2 years. $600 at closing, $25 a month servicing, a 2% exit fee at payoff, and no points at closing.
Yes. We buy seller financed Washington land notes for 80 to 90% of the balance, at closing or any time after.
Yes. We lend in all 39 Washington counties, east and west, as long as the parcel is at least 2 acres with legal access.
We are a direct hard money and private money lender for vacant land in Washington. 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.