How to finance 25acres of undeveloped land
New to Real Estate · North Carolina, USA · Member since 2025 · 27 posts · 5 votes
How to finance 25acres of undeveloped land
Most Popular Reply
@Chloe Mariant Seller financing for raw land is usually one of the better options. Otherwise look to local banks and credit unions that know the land and area well. Expect to put down a high downpayment for financing through banks, probably in the 30-50% range down.
Good luck!
18 Replies
@Chloe Mariant Seller financing for raw land is usually one of the better options. Otherwise look to local banks and credit unions that know the land and area well. Expect to put down a high downpayment for financing through banks, probably in the 30-50% range down.
Good luck!
- New to Real Estate · North Carolina, USA · Member since 2025 · 27 posts · 5 votes1yThank you Tom!
Quote from @Tom S.:
@Chloe Mariant Seller financing for raw land is usually one of the better options. Otherwise look to local banks and credit unions that know the land and area well. Expect to put down a high downpayment for financing through banks, probably in the 30-50% range down.
Good luck!
- 1yMike GrudzienPro MemberLender · Eugene, OR · Member since 2019 · 2k+ posts · 1k+ votes
Can't help, but wish you good luck.
Save up a down payment: reach out to friends and family.
- New to Real Estate · North Carolina, USA · Member since 2025 · 27 posts · 5 votes1y
Quote from @Mike Grudzien:
Can't help, but wish you good luck.
Save up a down payment: reach out to friends and family.
Thank you Mike!
- Investor · VA · Member since 2015 · 21k+ posts · 19k+ votes1y
Quote from @Chloe Mariant:
Hi all!
Property in question is a total of 25acres divided in two tracks for sale. Agricultural land, zoned agricultural/residential. It is perfect for a business I will start in a couple years but not now. Most likely this type of land will be gone gone in this area in two years.
I can not afford this land/finance it via a traditional route so I am looking into alternative ways to finance it. What options do I have? Owner financing? Separating 1acre, assigning it and using the assignment money as a down payment? Can I finance it as an investment if cash flow is positive while rented to a farmer for a couple years? What else am I not thinking about here?
Thousands of thanks to you all!
Bring on an equity partner
7e investments53 Reviews- New to Real Estate · North Carolina, USA · Member since 2025 · 27 posts · 5 votes1y
Quote from @Chris Seveney:
Quote from @Chloe Mariant:
Hi all!
Property in question is a total of 25acres divided in two tracks for sale. Agricultural land, zoned agricultural/residential. It is perfect for a business I will start in a couple years but not now. Most likely this type of land will be gone gone in this area in two years.
I can not afford this land/finance it via a traditional route so I am looking into alternative ways to finance it. What options do I have? Owner financing? Separating 1acre, assigning it and using the assignment money as a down payment? Can I finance it as an investment if cash flow is positive while rented to a farmer for a couple years? What else am I not thinking about here?
Thousands of thanks to you all!
Bring on an equity partner
Hello Chris! Thank you for your reply. I currently have very limited connections in real estate. Would you have any tips on how to network and find an equity partner? Would you personally know anyone that I should talk to, VA not being so far from NC haha
Thank you!
- Investor · VA · Member since 2015 · 21k+ posts · 19k+ votes1y
Quote from @Chloe Mariant:
Quote from @Chris Seveney:
Quote from @Chloe Mariant:
Hi all!
Property in question is a total of 25acres divided in two tracks for sale. Agricultural land, zoned agricultural/residential. It is perfect for a business I will start in a couple years but not now. Most likely this type of land will be gone gone in this area in two years.
I can not afford this land/finance it via a traditional route so I am looking into alternative ways to finance it. What options do I have? Owner financing? Separating 1acre, assigning it and using the assignment money as a down payment? Can I finance it as an investment if cash flow is positive while rented to a farmer for a couple years? What else am I not thinking about here?
Thousands of thanks to you all!
Bring on an equity partner
Hello Chris! Thank you for your reply. I currently have very limited connections in real estate. Would you have any tips on how to network and find an equity partner? Would you personally know anyone that I should talk to, VA not being so far from NC haha
Thank you!
I "know a guy" who sent you a PM and would be happy to chat further.
7e investments53 Reviews - New to Real Estate · North Carolina, USA · Member since 2025 · 27 posts · 5 votes1y
Quote from @Chris Seveney:
Quote from @Chloe Mariant:
Quote from @Chris Seveney:
Quote from @Chloe Mariant:
Hi all!
Property in question is a total of 25acres divided in two tracks for sale. Agricultural land, zoned agricultural/residential. It is perfect for a business I will start in a couple years but not now. Most likely this type of land will be gone gone in this area in two years.
I can not afford this land/finance it via a traditional route so I am looking into alternative ways to finance it. What options do I have? Owner financing? Separating 1acre, assigning it and using the assignment money as a down payment? Can I finance it as an investment if cash flow is positive while rented to a farmer for a couple years? What else am I not thinking about here?
Thousands of thanks to you all!
Bring on an equity partner
Hello Chris! Thank you for your reply. I currently have very limited connections in real estate. Would you have any tips on how to network and find an equity partner? Would you personally know anyone that I should talk to, VA not being so far from NC haha
Thank you!
I "know a guy" who sent you a PM and would be happy to chat further.
Checking my PMs now :)
- Specialist · fremont, NE · Member since 2014 · 161 posts · 42 votes1yThis is what my network can offer:
Quote from @Chloe Mariant:
Hi all!
Property in question is a total of 25acres divided in two tracks for sale. Agricultural land, zoned agricultural/residential. It is perfect for a business I will start in a couple years but not now. Most likely this type of land will be gone gone in this area in two years.
I can not afford this land/finance it via a traditional route so I am looking into alternative ways to finance it. What options do I have? Owner financing? Separating 1acre, assigning it and using the assignment money as a down payment? Can I finance it as an investment if cash flow is positive while rented to a farmer for a couple years? What else am I not thinking about here?
Thousands of thanks to you all!
6-13%, Interest Only options; Loans from $500,000 to $20,000,000, Up to 50% LTV, Terms from 12 months–36 months; Raw land of +5A may be offered Up to 30 year Fixed Rate, Or up to 10 year Adjustable Rate, and is case by case.If you haven't anything else, reach out, if this looks useful.
- 1yJay HinrichsBusiness MemberReal Estate Consultant · Summerlin, NV · Member since 2014 · 45k+ posts · 66k+ votes
Quote from @Eddie Starr:
This is what my network can offer:Quote from @Chloe Mariant:
Hi all!
Property in question is a total of 25acres divided in two tracks for sale. Agricultural land, zoned agricultural/residential. It is perfect for a business I will start in a couple years but not now. Most likely this type of land will be gone gone in this area in two years.
I can not afford this land/finance it via a traditional route so I am looking into alternative ways to finance it. What options do I have? Owner financing? Separating 1acre, assigning it and using the assignment money as a down payment? Can I finance it as an investment if cash flow is positive while rented to a farmer for a couple years? What else am I not thinking about here?
Thousands of thanks to you all!
6-13%, Interest Only options; Loans from $500,000 to $20,000,000, Up to 50% LTV, Terms from 12 months–36 months; Raw land of +5A may be offered Up to 30 year Fixed Rate, Or up to 10 year Adjustable Rate, and is case by case.If you haven't anything else, reach out, if this looks useful.
@Chris Seveney Chris have you seen rates like this.. ??? OP just be careful shopping for money do not pay anything up front. Land loans for someone beginning are very very tough to get at the rates suggested I mean I have 40 plus years at this and I could no way get rates like this as I dont beieve they exist in the open market.. thats my personal opinion of course.
- New to Real Estate · North Carolina, USA · Member since 2025 · 27 posts · 5 votes1y
Quote from @Eddie Starr:
This is what my network can offer:Quote from @Chloe Mariant:
Hi all!
Property in question is a total of 25acres divided in two tracks for sale. Agricultural land, zoned agricultural/residential. It is perfect for a business I will start in a couple years but not now. Most likely this type of land will be gone gone in this area in two years.
I can not afford this land/finance it via a traditional route so I am looking into alternative ways to finance it. What options do I have? Owner financing? Separating 1acre, assigning it and using the assignment money as a down payment? Can I finance it as an investment if cash flow is positive while rented to a farmer for a couple years? What else am I not thinking about here?
Thousands of thanks to you all!
6-13%, Interest Only options; Loans from $500,000 to $20,000,000, Up to 50% LTV, Terms from 12 months–36 months; Raw land of +5A may be offered Up to 30 year Fixed Rate, Or up to 10 year Adjustable Rate, and is case by case.If you haven't anything else, reach out, if this looks useful.
Eddie I am definitely keeping you in mind for future deals thank you!
- New to Real Estate · North Carolina, USA · Member since 2025 · 27 posts · 5 votes1y
Quote from @Jay Hinrichs:
Quote from @Eddie Starr:
This is what my network can offer:Quote from @Chloe Mariant:
Hi all!
Property in question is a total of 25acres divided in two tracks for sale. Agricultural land, zoned agricultural/residential. It is perfect for a business I will start in a couple years but not now. Most likely this type of land will be gone gone in this area in two years.
I can not afford this land/finance it via a traditional route so I am looking into alternative ways to finance it. What options do I have? Owner financing? Separating 1acre, assigning it and using the assignment money as a down payment? Can I finance it as an investment if cash flow is positive while rented to a farmer for a couple years? What else am I not thinking about here?
Thousands of thanks to you all!
6-13%, Interest Only options; Loans from $500,000 to $20,000,000, Up to 50% LTV, Terms from 12 months–36 months; Raw land of +5A may be offered Up to 30 year Fixed Rate, Or up to 10 year Adjustable Rate, and is case by case.If you haven't anything else, reach out, if this looks useful.
@Chris Seveney Chris have you seen rates like this.. ??? OP just be careful shopping for money do not pay anything up front. Land loans for someone beginning are very very tough to get at the rates suggested I mean I have 40 plus years at this and I could no way get rates like this as I dont beieve they exist in the open market.. thats my personal opinion of course.
Jay would you mind elaborating on this? Rates are higher ( a lot? higher?)? Why is it harder for a beginner to shop for money for land versus another asset?
- 1yJay HinrichsBusiness MemberReal Estate Consultant · Summerlin, NV · Member since 2014 · 45k+ posts · 66k+ votes
Quote from @Chloe Mariant:
Quote from @Jay Hinrichs:
Quote from @Eddie Starr:
This is what my network can offer:Quote from @Chloe Mariant:
Hi all!
Property in question is a total of 25acres divided in two tracks for sale. Agricultural land, zoned agricultural/residential. It is perfect for a business I will start in a couple years but not now. Most likely this type of land will be gone gone in this area in two years.
I can not afford this land/finance it via a traditional route so I am looking into alternative ways to finance it. What options do I have? Owner financing? Separating 1acre, assigning it and using the assignment money as a down payment? Can I finance it as an investment if cash flow is positive while rented to a farmer for a couple years? What else am I not thinking about here?
Thousands of thanks to you all!
6-13%, Interest Only options; Loans from $500,000 to $20,000,000, Up to 50% LTV, Terms from 12 months–36 months; Raw land of +5A may be offered Up to 30 year Fixed Rate, Or up to 10 year Adjustable Rate, and is case by case.If you haven't anything else, reach out, if this looks useful.
@Chris Seveney Chris have you seen rates like this.. ??? OP just be careful shopping for money do not pay anything up front. Land loans for someone beginning are very very tough to get at the rates suggested I mean I have 40 plus years at this and I could no way get rates like this as I dont beieve they exist in the open market.. thats my personal opinion of course.
Jay would you mind elaborating on this? Rates are higher ( a lot? higher?)? Why is it harder for a beginner to shop for money for land versus another asset?
OK.. you asked here it is:
1. land loans are the toughest to get as lenders see them as higher risk so the borrower has to be very well capitalized and have a lot of cash into the deals. At least a legit lender. Large cash down payment normally 30 to 50% mitigates the newbie risk and or general risk.
2. amount of lenders that do land loans is extremely limited
3. Rates are ALWAYS much higher for land compared to any kind of rates you may see that involve improved property like owner occupied loans or commercial loans.
4. Even for top shelf borrowers I would be shocked if anyone can get 6% amortized over 30 years I have never heard of that and those are owner occ rates not land loan rates. - New to Real Estate · North Carolina, USA · Member since 2025 · 27 posts · 5 votes1yThank you for sharing your experience!
Quote from @Jay Hinrichs:
Quote from @Chloe Mariant:
Quote from @Jay Hinrichs:
Quote from @Eddie Starr:
This is what my network can offer:Quote from @Chloe Mariant:
Hi all!
Property in question is a total of 25acres divided in two tracks for sale. Agricultural land, zoned agricultural/residential. It is perfect for a business I will start in a couple years but not now. Most likely this type of land will be gone gone in this area in two years.
I can not afford this land/finance it via a traditional route so I am looking into alternative ways to finance it. What options do I have? Owner financing? Separating 1acre, assigning it and using the assignment money as a down payment? Can I finance it as an investment if cash flow is positive while rented to a farmer for a couple years? What else am I not thinking about here?
Thousands of thanks to you all!
6-13%, Interest Only options; Loans from $500,000 to $20,000,000, Up to 50% LTV, Terms from 12 months–36 months; Raw land of +5A may be offered Up to 30 year Fixed Rate, Or up to 10 year Adjustable Rate, and is case by case.If you haven't anything else, reach out, if this looks useful.
@Chris Seveney Chris have you seen rates like this.. ??? OP just be careful shopping for money do not pay anything up front. Land loans for someone beginning are very very tough to get at the rates suggested I mean I have 40 plus years at this and I could no way get rates like this as I dont beieve they exist in the open market.. thats my personal opinion of course.
Jay would you mind elaborating on this? Rates are higher ( a lot? higher?)? Why is it harder for a beginner to shop for money for land versus another asset?
OK.. you asked here it is:
1. land loans are the toughest to get as lenders see them as higher risk so the borrower has to be very well capitalized and have a lot of cash into the deals. At least a legit lender. Large cash down payment normally 30 to 50% mitigates the newbie risk and or general risk.
2. amount of lenders that do land loans is extremely limited
3. Rates are ALWAYS much higher for land compared to any kind of rates you may see that involve improved property like owner occupied loans or commercial loans.
4. Even for top shelf borrowers I would be shocked if anyone can get 6% amortized over 30 years I have never heard of that and those are owner occ rates not land loan rates.
- 1yJake YuskaitisBusiness MemberLender · New Jersey, USA · Member since 2022 · 254 posts · 68 votes
good luck. lenders stay far away from deals like that.
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