We purchase seller-financed land notes and provide vacant land acquisition loans throughout West Virginia. Serving Charleston, Morgantown, Huntington, Beckley, Lewisburg, Elkins and all 55 counties.
West Virginia offers exceptional land investment opportunities from Appalachian mountain properties and New River Gorge recreation land to rolling farmland, affordable wooded parcels, and Eastern Panhandle commuter acreage near Washington DC.
Close fast and beat other buyers
Statewide West 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 West Virginia? We buy land notes throughout the Mountain State for 80-90% of the current balance. Close in 7 days and turn your note into immediate cash.
Purchase vacant land in West Virginia with our Damen Capital acquisition loan program. Get a written quote in 24 hours and close in 7 days.
Fastest-growing region in West Virginia. Charles Town and Shepherdstown benefit from DC commuter demand. Strong appreciation for residential lots and hobby farms.
National Park designation driving tourism and property demand. Recreational land near the gorge, whitewater corridors, and hiking trails is increasingly sought after.
State capital region with affordable metro land. Suburban lots in Teays Valley and Hurricane see steady demand from buyers priced out of other eastern markets.
Scenic mountain valley anchored by The Greenbrier resort. Lewisburg area draws retirees and second-home buyers. Large acreage parcels at affordable prices.
WVU drives steady demand. Residential lots and rural acreage near Morgantown command premiums relative to the rest of the state.
Remote mountain properties with national forest access. Popular for hunting camps, off-grid homesteads, and scenic retreats at very affordable prices.
Ohio River corridor with Parkersburg as the hub. Affordable acreage for farming, hunting, and rural living with river access.
Some of the most affordable land in the country. Large wooded parcels ideal for hunting, timber, and long-term investment as the region diversifies.
West Virginia land loans from us are for investors and businesses buying vacant land to resell, hold, or split. That covers most of what trades in the state: Eastern Panhandle lots and hobby farm acreage in Jefferson, Berkeley, and Morgan Counties, recreational land around the New River Gorge in Fayette, Raleigh, and Summers, mountain tracts in the Potomac Highlands in Pendleton, Grant, Hardy, and Randolph, and Ohio River acreage in Wood, Pleasants, Ritchie, and Wirt.
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 as little as 7 days through a West Virginia title company or closing attorney.
The parcel has to be at least 2 acres with deeded or recorded easement access. Access is the first thing we check in West Virginia, because steep terrain means many parcels sit on shared private roads or old logging roads with no recorded right of way. Mineral rights come second. In much of the state, oil, gas, and coal rights were split off from the surface long ago, so know what the deed conveys before you price the resale. West Virginia uses deeds of trust, but we still lend on access, clean title, and resale demand first.
A borrower bought 42 rural acres in West Virginia for $87,000, brought 20% down ($17,400), and we funded $69,600. The loan closed in 7 days with no appraisal. The borrower marketed to off grid and rural lifestyle buyers and resold the parcel with seller financing 9 months later, paying us off at that closing. See the full West Virginia case study.
Yes. Damen Capital provides private land loans throughout West Virginia. Loans from $30K to $1M, interest-only, 7-day closings, no appraisal required.
Yes. We purchase seller-financed vacant land promissory notes in West Virginia at 80-90% of the current balance. No seasoning required.
20% of the purchase price. We lend up to 65% of value, capped at 80% of the purchase price, on loans from $30,000 to $1,000,000.
Yes, as long as the surface parcel has legal access and resale demand. Tell us up front what the deed conveys, because buyers will ask whether the oil, gas, or coal rights come with the land.
Yes. We are a direct hard money and private money lender for vacant land in West Virginia. 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.
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 Mountain State, we'll give you a clear quote within 24 hours.
Sold West 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 about 7 days.
See what your note is worth → · How note selling works · Document checklist