How to structure owner finance notes with raw land

[Cody Cuvillier]

Hey everyone,

I am trying to get into the raw land flipping game. I have some previous experience with single-family flips, wholesales, and rental properties. With my single-family properties, I always preferred to sell them owner finance (my area had little to no appreciation). The structure of those amortized notes had longer terms and higher interest rates without early payoff penalties. How is raw land financing generally structured? What are the terms, interest rates, etc? I am assuming shorter terms around five years with high interest rates.