Here’s the simple version of how we do it: We usually split a parcel, sell a few lots for cash to cover basis + investor capital, and then owner-finance the remaining ones for long-term cashflow. Best of both worlds. When we list, we always lead with cash but still offer financing.Typical terms look like:• 5–25% down (higher if credit’s under 650)• 12–14.5% interest• 3–10 year terms Before financing anyone, we always run credit + background checks. And if someone’s under 600 credit, it’s either a decline or a big 40–50% down payment. Legal docs matter too — Deed of Trust, Land Contract, or Mortgage depending on your state. Definitely loop in a real estate attorney. If you want to sell the note later, aim for: $25K+ balance, 20%+ down, 10%+ interest, and an ≤8-year term. That gets you top dollar on places like Paperstac.If you keep it, use a loan servicing company. Don’t manage payments yourself. What about you — are you offering owner financing on your deals yet? Drop your experience or questions below. 👇

Hi Everyone! I been doing land flips for about 18 months now. A lot of lessons learned but so much better than when I was flipping houses. Doing my first subdivide now and looking for funding partners. Looking for $200K to split a 12.44 acre tract into 4 lots. If interested, DM me and I'll send details. Thanks.