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Owned by Julie

Land & Legacy

317 members • Free

Helping everyday people buy land, grow food, build self-reliance, create income, and leave a legacy worth passing down.

Memberships

17 contributions to Land & Legacy
HOW TO USE LAND & LEGACY
If you’re new here, here’s the easiest way to navigate the community without feeling overwhelmed 👇 💬 Discussions Use the discussion section to: • ask questions • share progress • get feedback • connect with others Current sections: 🏡 Buying Land 🌿 Grow Food & Skills 🔥 Wins & Progress This is the community side of Land & Legacy. 🎓 Classroom A lot of the free resources and trainings are located in the CLASSROOM section at the top of the group. Inside the classroom you’ll find: • free toolkits • downloadable guides • calculators • planning resources • training pathways 👉 Start with: “Start Here: Land & Legacy Foundations” That section includes: • Human Scale Land Finder Playbook • Affordable Land Finder Playbook • Cost Calculator • Land Planning Notion System 👷🏻‍♀️Currently under construction: “20k Backyard Farm Blueprint” Where we cover how to make 20k a year from your backyard “Zoning and Lender Scripts” Learn what to say to obtain your dream property 🌱 Don’t Try To Learn Everything At Once Some people here: • want land someday • are actively searching • already own land • want to grow food now • are learning self-reliance skills You do not need to master everything today. Just focus on your next step. This is an ever changing and growing grow based on what you all need. 👇 Comment below: What do you want us to build for you next?
0 likes • 15d
@Cicely Aikau Be sure to ask any questions you have
0 likes • 7d
@Ashley Surber depends on which classroom/course you are looking for ?
New Here? Welcome
We’ve had a lot of new members join Land & Legacy recently, so I wanted to take a moment to say welcome. Whether you’re dreaming about buying land, actively searching, growing food where you are, or already building a homestead, I’m glad you’re here. One of my goals for this community is to make sure people get the help they actually need, not just a bunch of generic content. So if you’re new, I’d love to know: 👇 What’s the biggest thing you’re trying to accomplish right now? - Buy land - Figure out financing or USDA loans - Start growing food - Build homestead skills - Create income from land - Something else Comment below and tell me where you’re at. If I already have a resource for it, I’ll point you to it. If I don’t, there’s a good chance it’ll become a future training, resource, or discussion for the community. Welcome to Land & Legacy — Growing food, building freedom, and creating legacy.
0 likes • 10d
@Diana Santoni-Bell Have you considered flower farming?
0 likes • 7d
@Mickey Hardy do you have one specific in mind or still looking?
Welcome to Land & Legacy 🌱
This community was created for people who know there’s a better way to live—one with more ownership, more freedom, more skills, and more security. Whether you’re: • Dreaming about buying land someday• Actively researching property now• Already own land and need a plan• Want to grow food where you are• Learning homestead skills like canning, sourdough, herbs, or self-reliance• Looking to create income from land …you belong here. This is a place to ask real questions, learn practical strategies, share progress, and build something worth passing down. 👇 Introduce yourself below: 1. Where are you from? 2. Which stage are you in right now? A) Dreaming B) Researching C) Own land already D) Growing now E) Building skills 3. What’s your biggest goal this year? I’m glad you’re here. Let’s build legacy together.
1 like • 12d
@Diana Santoni-Bell a well managed market garden can bring in 100k an acre
0 likes • 7d
@Ashley Surber most of the time even if it is a home you will change or build something new it is already going to have a septic, driveway, well, and utilities so there is a huge savings to get land that already has a house of some kind on it. Often times the price difference between building an entire home and making an addition to an existing home are not that big of a difference.
Top 3 Things to Improve Your Credit Before Applying for a Loan
Most people focus on the wrong things when trying to improve their credit. You do not need to open a bunch of new accounts. You do not need to carry a balance. And you definitely don’t need to pay a credit repair company hundreds of dollars. Instead, focus on these 3 things: 1. Lower Your Credit Utilization This is one of the fastest ways to improve your score. If your credit cards are carrying balances, try to get them below: - 30% utilization at minimum - 10% utilization if possible Example:A $1,000 limit card should ideally report less than $100. 2. Never Miss a Payment Payment history is one of the biggest factors in your credit score. Set up autopay for at least the minimum payment and make every payment on time. One late payment can hurt your score far more than most people realize. 3. Stop Applying for New Credit Every application can create a hard inquiry. If you’re planning to apply for a land loan, USDA loan, mortgage, or construction loan in the next 6–12 months, now is usually not the time to open: - Store cards - Furniture financing - “0% interest” promotions - Random credit card offers - Changing jobs <- #1 biggest no no Lenders want to see stability. Bonus Tip Before applying for any loan, pull your credit report and look for errors. I’ve seen collections that were paid years ago still showing up incorrectly, duplicate accounts, and reporting mistakes that lowered scores unnecessarily. Question for the group: What’s the biggest obstacle between you and getting loan-ready right now? Credit score Down payment Income Debt-to-income ratio Business plan Finding the right property Drop your answer below. 👇
1 like • 13d
@Dawn Epting that should not affect the application process
1 like • 11d
@Nicole DeRyke Those are two of the biggest hurdles for many aspiring landowners, but the good news is there are programs that can help depending on your situation. USDA Rural Development loans can offer 0% down financing on eligible properties, FHA loans can be as low as 3.5% down, and FSA has down payment assistance programs available for qualifying farmers. A lot of people focus only on the down payment, but it’s important to remember there are other costs to plan for as well, including: • Earnest money deposit • Appraisal • Survey • Title search and title insurance • Lender and underwriting fees • Attorney or closing fees • Recording fees • Prepaid taxes and insurance • Construction-related fees/permits Depending on the property and loan program, many buyers find it helpful to have an additional $10,000–$30,000+ available for closing costs and reserves, though every situation is different. As for the business plan, that’s exactly why we created Land & Legacy. A good business plan helps you determine whether the numbers work, what the land needs to produce, and what path makes the most sense before you ever make an offer. What type of land or farm business are you hoping to build?
Welcome to Making Profit From Your Land
It is a common mistake to think you need hundreds of acres, expensive equipment, or a fully built-out farm before you can start generating income. You don't. Whether you have ¼ acre, 5 acres, 50 acres, or you're still searching for land, this section is dedicated to exploring practical ways to create income from the resources you have available. Topics we discuss here may include: - Market gardening - CSA programs - Farm stands - Cottage food businesses - Agritourism - Workshops and events - Value-added products - Microgreens and specialty crops - U-pick operations - Livestock products - Online farm-related businesses - Business plans - Grants and financing - Marketing and customer acquisition - Pricing and profitability Before You Post The more information you provide, the better feedback the community can give. Consider sharing: - Your location - Acreage available - Current infrastructure - Budget - Experience level - Income goals - Whether you're looking for active income, passive income, or a combination of both A Quick Reality Check Not every idea is profitable. In this community, we try to focus on: - Real numbers - Real markets - Real customers - Real-world constraints Sometimes the best business idea isn't the one we're most excited about—it's the one people are already willing to pay for. Introduce Yourself Tell us: 1. How much land do you currently have (or hope to have)? 2. What's one income-producing idea you're interested in exploring? 3. What's your biggest challenge right now? Let's help each other build land-based businesses that actually work. 🌱
0 likes • 11d
@Nicole DeRyke It is extremely common to have interest only payments on a construction loan or deferred payments while construction is occurring so you wouldn’t have a double mortgage payment. And many construction loans can include what’s called an interest reserve that is part of the total cost of the loan that pays your interest so you don’t have any payments until it’s converted into a mortgage
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Julie Banas
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81points to level up
@julie-banas-3022
Midwife Farmer helping you buy land, grow food, build self-reliance, and create a legacy worth passing down.

Active 7h ago
Joined Apr 24, 2026
ENFP
Alachua florida