Owner-Financed Land for Sale
Raw land is hard to mortgage. Most lenders will not touch an unimproved parcel, and the ones that will want a large down payment and a long underwriting process anyway. We finance the balance ourselves instead, so a bank never has to say yes.
Pick a parcel and call
The starting terms are published below and on every listing. Call 812-241-5653 and ask whatever you need to ask.
Agree the terms
Down payment, rate and length. Most parcels are negotiable depending on how much you put down and how you want the payments structured.
Sign and start paying
No bank underwriting, no appraisal delay, no credit committee. Several parcels already have title work completed.
What each owner-financed parcel starts from
These are the starting points, not the only shape a deal can take. A bigger down payment generally buys a better rate or a shorter term.
| 660.11 Acres — Imlay, NV | $384,000 $100,000 down with the balance seller financed at 12% interest. |
|---|---|
| 263.3 Acres — North Pole, AK | $195,000 $80,000 down with flexible terms on the remaining balance. |
| 160 Acres — Burns, OR | $175,000 Owner financing available with a substantial down payment. |
| 55.9 Acres — Norwood, NY | $55,900 $20,000 down, $35,900 financed at 12% APR over five years, about $800 a month. |
| 0.49-Acre Lot — Horseshoe Bend, AR | $55,000 $30,000 down with the balance at 6.5% interest over five years. |
| 40 Acres — Burns, OR | $40,000 Owner financing available. |
| 22.9 Acres — Potsdam, NY | $28,000 $15,000 down, with payments of about $334 a month at 12% APR over five years. |
| 0.33-Acre Lot — Paris, IL | $17,000 50% down at 9% interest, amortised over a term of your choosing. |
| 0.28-Acre Lot — Anderson, IN | $17,000 50% down at 8% interest, on a term of your choosing. |
The remaining 7 parcels are cash or conventional purchase only: 382.8 acres in St. Bernard Parish, 1.57 acres in Vermillion County, 0.67-acre lot in Vermillion County, 50 acres in St. Bernard Parish, 30 acres in St. Bernard Parish, 20 acres in St. Bernard Parish, 45 acres in Lafourche Parish.
Three years, five years, or a balloon
A worked example, so the shape is clear before you ring. Take a $55,000 parcel with $15,000 down, leaving $40,000 financed at 9%.
| Three years | $1,272 a month · $5,792 of interest over the term |
|---|---|
| Five years | $830 a month · $9,820 of interest over the term |
| Ten-year schedule, paid off at five | $507 a month · about $24,400 owed as a lump sum in year five |
Five years is the usual shape and the one most buyers take. Three costs more each month and a good deal less in total. The third row is the one worth understanding: the payment is worked out over ten years, so it is small, but the remaining balance falls due at year five. It is how you get an affordable monthly figure without the balance dragging on for a decade, and it suits the larger parcels where the monthly payment is the real obstacle.
Straight ten-year terms are available on the six-figure parcels if that is what makes it work. On a $17,000 lot they rarely make sense — the payment lands near $108 a month and both of us are still exchanging paperwork in 2036.
Figures are illustrations at 9% to show the shape, not an offer. Your rate depends on the parcel and the down payment, and the published starting terms above are what each one actually begins from.
What owner financing is, and what it is not
You are buying from the owner and paying the owner. There is no lender, no appraisal and no credit committee, which is why it moves quickly. It also means the terms are whatever the two of you agree to and write down, so read what you sign.
Everything quoted here is indicative and subject to agreement. Nothing on this site is an offer of credit or a contract for sale. Verify the parcel itself independently before you close — legal access, acreage, zoning, permitted uses and utility connection costs — exactly as you would with a cash purchase.