Seller-Financed Lot w/ Zero Interest & Construction Rights - What Would Builders Pay?

[Brandon Davis]

Hey BP community,

I have a vacant lot under contract with seller financing and construction rights, and I'm looking to wholesale it to a builder. Here are the details:

• Half Acre lot in a desirable area of Ocala, FL
• Full seller financing with 0% interest
• Purchase price: $48,000
• Down payment: $5,000
• Monthly payments: $360 for 3 years (Principle only)
• Balloon payment at 36 months (~$30K remaining balance)
• Construction rights included and fully assignable
• Seller will maintain first position lien

Recent comps on the same street:

• New construction 4 bed home just sold for $381K in December 2025
• Older home (1993) on same size lot directly behind this one sold for $280K in April 2024

I'm trying to figure out what this opportunity is worth to a builder. Would these terms be attractive to someone in the construction business? What would be a fair assignment fee?

My thinking is that a builder could leverage the seller financing to construct a home without traditional acquisition financing, sell the completed property (likely well before the 3-year term ends), and the seller would be paid off at closing of the sale. The loan can be paid off early with no prepayment penalty, so the builder isn't locked into the full term if they complete and sell the home quickly. This seems like a win-win where the builder avoids land acquisition costs upfront and the seller gets paid when the new home sells.

I'm not a builder myself, but this seems like it could be valuable to someone with construction experience. Any insight from builders or investors who work with builders would be greatly appreciated!

Adding the specific purchase price, down payment, and monthly payment amounts will give builders enough information to properly evaluate the deal.

[Robert Ellis]

Quote from @Brandon Davis:

Hey BP community,

I have a vacant lot under contract with seller financing and construction rights, and I'm looking to wholesale it to a builder. Here are the details:

• Half Acre lot in a desirable area of Ocala, FL
• Full seller financing with 0% interest
• Purchase price: $48,000
• Down payment: $5,000
• Monthly payments: $360 for 3 years (Principle only)
• Balloon payment at 36 months (~$30K remaining balance)
• Construction rights included and fully assignable
• Seller will maintain first position lien

Recent comps on the same street:

• New construction 4 bed home just sold for $381K in December 2025
• Older home (1993) on same size lot directly behind this one sold for $280K in April 2024

I'm trying to figure out what this opportunity is worth to a builder. Would these terms be attractive to someone in the construction business? What would be a fair assignment fee?

My thinking is that a builder could leverage the seller financing to construct a home without traditional acquisition financing, sell the completed property (likely well before the 3-year term ends), and the seller would be paid off at closing of the sale. The loan can be paid off early with no prepayment penalty, so the builder isn't locked into the full term if they complete and sell the home quickly. This seems like a win-win where the builder avoids land acquisition costs upfront and the seller gets paid when the new home sells.

I'm not a builder myself, but this seems like it could be valuable to someone with construction experience. Any insight from builders or investors who work with builders would be greatly appreciated!

Adding the specific purchase price, down payment, and monthly payment amounts will give builders enough information to properly evaluate the deal.

traditional builders wouldn't look at this structure and it being only one lot I think it would be too small for someone to look at