56 Owner-Financed Land Deals You Can Buy With Low Payments
In this episode, Scott walks you through 56 properties that offer owner financing, meaning:
- Low down payments and low monthly payments
- No bank loan required
- No credit check
- Direct seller financing on many listings
You’ll hear quick highlights, pricing, and what each lot is best for (recreation, off-grid, long-term hold, etc.), plus Scott’s real-world advice on negotiating terms when the math feels off.
Key takeaways
- Owner financing is the shortcut around banks. You’re buying land directly from a seller who provides the payment plan.
- “Ben Franklin properties” are the ones with payments under $100. Scott flags these as a great entry point for buyers who want to start small.
- Match the land to your purpose. Scott repeatedly emphasizes aligning your plan (camping, off-grid, long-term investing) with the specific lot’s features.
- Land is a long-term asset with low holding costs. Taxes are often low, so the carrying cost can be minimal compared to other investments.
- Negotiation is part of the game. When terms don’t add up cleanly, Scott explains how he’d structure an offer and why many buyers miss opportunities by not negotiating.
Featured states and regions
- Arkansas Land for Sale (Izard County, Van Buren)
- Arizona Land for Sale (Apache, Cochise, Mohave, Pima, Santa Cruz)
- California Land for Sale (Modoc, Northern CA near Oregon)
- Colorado Land for Sale (Costilla County, Rio Grande area)
- Florida Land for Sale (Charlotte, Highlands, Holmes, Putnam, Jackson, Polk)
- New Mexico Land for Sale (Luna County)
- Nevada Land for Sale (Elko)
- Oregon Land for Sale (Klamath)
- Texas Land for Sale (Polk)
Episode moments and recurring themes
- Arkansas affordability: Multiple sub-$4K lots, including 0% interest examples where the math matches the cash price.
- Arizona for off-grid and long-term holds: Several properties positioned as “trade city lights for starry nights” style lots.
- Modoc County urgency: Scott notes that Modoc listings tend to sell quickly and “don’t stay on the channel.”
- Florida spotlight: Scott calls out Florida as his favorite state and highlights larger lots, including rare 1–2 acre parcels.
- The “ring” joke: A Mojave listing sparks a running gag about selling land to buy a ring.
- Negotiation coaching: Scott breaks down a Colorado listing where the total payments seem high vs. the cash price and explains how to approach the seller.
Framework mentioned
“Landmodo Buckets” (how Scott thinks about land use):
- Off-grid
- Recreational
- Long-term investment
- Scott references using buckets to decide what land fits your goals before you buy.
How to get property details
- Scanning the on-screen QR codes
- Using short links shown in the video for each property
- Visiting Landmodo to browse 13,000+ owner-financed listings
Transcript
Hello land seekers, if you're looking for land, guess what? You are in the right spot because on this video, I have 56 properties all with owner financing. What does that even mean? It means that the land that you see on this video, you can get it, you can buy it, you can acquire it with low down payments, low monthly payments, no bank loans required, no credit check, none of that. How does it work?
It's using seller financing where the seller of the lot will sell it to you with the financing. So you don't have worry about it. I'm Scott from landmower.com and this channel is about helping you to make your land ownership dreams a reality so you can start living your dreams today. Don't put them off for yet another day. We're not guaranteed to today or tomorrow. So we want to live the day man.
ht acre property. Cash price $: is:It's super, super simple. All right, our next property here, also an Izard, is a .33 acre property. The cash price on this one is $3,200, with $75 down and $75 a month for 60 months. This is what I call a Ben Franklin property. And the reason that it's called a Ben Franklin property is because the down payment and the monthly payment are less than $100 a month. Come on, so you break out a Ben Franklin, you pay down the land, and in this case, in 60,
months, it's all yours. Now, how do get the details? Again, scan the QR code or head over to elmoto.ws4 slash three three nine six seven nine. Also an Izard here. Check this one out. This one is a point four eight acre property. Let's just call it half an acre, shall we? For half an acre of land in Arkansas, you can buy this for thirty four hundred dollars with one hundred down and then one twelve a month for thirty six months.
This is property number: . This is property number: nths. This is property number:This is where we come to, we want to align what it is that you wanna do with the land, with the land. So for example, if you're looking for something that is a recreational property, well, probably the one that we just looked at isn't perfect for that. However, if you're thinking about this from a long-term perspective, man, they don't make land anymore. And as a result of that,
I'm going to invest in the land because the prices that we see here today are probably the lowest that we'll see in the rest of our lifetimes. It's just going to go up from here. I think you and I can both, we can both agree. We should have bought land 20 years ago. We can buy it today. Okay. So if that's you, this is the perfect lot for that. Just stack away $125 a month, $125 a month. And guess what? You have an asset that will continue to grow for the rest of your life. That's the way that it works.
low. Property number here is: nths. This is property number:What are we talking about here? We're talking about bucket one. We're talking about all of the buckets here. Bucket one, off the grid. Bucket two, off the grid. Bucket three, recreational. Check. Bucket four, long-term investor. Yeah, this is one that will continue to go up in value. It is, yes, it's remote. Yes, you're going to be left alone. Yes, you're going to need Starlink. And by the way, the only thing that you need Starlink for is to listen to me on this show.
ails? This is property number: going to the property number: nths. This is property number: nths. This is property number:that he's selling this property even though she's probably watching this show right now. I know she is because basically doesn't everybody and if they don't you need to help me. You need to find people that aren't watching this show and tell them you got to see this guy but we can't let this guy's girlfriend know because she wants the Dude man.
o me. This is property number:And then we have to make him go by the ring.
nths. This is property number: nths. This is property number:America's beautiful. This is like the library because nobody wants me talking about this except for the sellers, the buyers. They don't want me talking about this area because shh Northern California, just below Oregon. It's just below Klamath, Oregon, 0.1 acre, 0.95 acres, almost an acre, $8,500 with 300 down and 190 a month for 60 months. I'm telling you right now.
t up, man. Property number is: nths. This is property number: iful. Property number here is: nths. This is property number: This is property number:And I will tell you that I don't love the terms on this deal. So that should not stop you from reaching out. It should motivate you to negotiate the deal. And I think that's where the opportunity lies because sometimes when the numbers don't seem like they add up, and in this case it's 119. So let's just round that to a hundred times 99. That's $9,900.
for the land plus the down payment on something that today would be $7,000. Now, look, I could go out there and figure out the interest rate. I could go do that. you know, like, I think I'd rather pay more on the monthly payment and lower on the term, but I want it to be closer to the $69.95. It doesn't have to total $69.95 because, there's this thing called interest, but it needs to be somewhere close. And maybe it's there. ⁓
but my quick math isn't working for me. And this is not a dig on the seller. That's not the intent. The intent is for me to tell you how I would negotiate this. And so when I see a property with numbers like this, I start to think that there's an opportunity here. And the reason I think there's an opportunity is because a lot of people will not stop to negotiate. A lot of people will just move on to the next property and go, yeah, I don't know about that one. But.
nths. This is property number:That means you get some space because you don't have a neighbor on every single side of you.
nths. This is property number:If you're watching this on Saturday, you could buy on this by Monday because the paperwork is just that simple It's simple to get started and check out the horsies man wild horses and look I'm not gonna tell you that I did this but maybe I did maybe I didn't one year for for Christmas. I may have gotten a pony or
some kid that I knew may have gotten a pony and the kid walked outside and he's like tired and he's like rubbing his eyes and everything and this pony had like a
He had bells around his neck like a reindeer would. And this kid that I knew, who I'm not saying it's me, and I'm not saying it's not me, the kid that I knew, he looked at this thing, young, young cat, and he said, Santa left a reindeer. And the kid's parents started laughing and the kid has never lived that down again. I'm not going to say it was me and I'm not going to say it wasn't me.
one? This is property number: one. This is property number: nths. This is property number: with: This is property number: This is property number: nths. This is property number: oday. This is property number: nths. This is property number: out. Property number here is:It's 13,500 with 500 down and then 199 a month for 72 months. In Polk County growing area, you got a sheriff in Polk County. He'll mess around man.
Okay, this is property number:All
right. We're going to do something here. Here's what we're going to do. I want to go through the cash price, $10,995. $99 down, ⁓ and $1.99 a month for 60 months. Now, let me tell you about this seller. This seller likes to try to get my attention on the channel. He likes to use my terminology, which I'm cool with. I love it. Okay? And in fact,
He kind of roped me in here because notice the headline up there. It says one Ben Franklin land. And yeah, I know it's been Franklin on the hundred dollar bill, but I always joke that it's a Ben Franklin land. Okay. It's a little nuance there, but he's saying that this one Ben Franklin down and then one 99 a month. So he's kind of sneaking in there with the Ben Franklin land.
road. This is property number: This is property number:negotiate the monthly payment and the terms. Negotiate them, okay? Because come on, may, look, if you want to bang this thing out fast, it's 499, that's the fastest way to go. You're going to be done with this thing in 16 months. But if you need a little bit lower on the monthly payment, do not let that deter you.
This is property number: This is property number: nths. This is property number: nths. This is property number:I'll go on Instagram because that's what I, that's my preferred method. I go on Instagram and I see people that are asking their children, what did I give you last year for Christmas? What did you get last year for Christmas? And the children are like, I don't know. That's a problem. That's a problem. It's a real life problem. Now you break that cycle and instead of giving them something that they're just going to throw away or something that's going to break or something that's just like over, you give them something that's boring.
You give them something that will last them for the rest of their lives and the lives of their children and grandchildren, a piece of land. You ask them next year what they got for Christmas, be like, I got that land. Yeah, ask them 20 years from now, what'd you get for Christmas 20 years ago? They'll be like, I got that land.
wo acre lot here, cash price $: This is property number: erty. This is property number: t is. This is property number: months. is property number: nths. This is property number:Look at the beauty of that picture. 3.22 acres cash price, 14,500 with 499 down and 225 a month for 63 months. You can't buy a Toyota for this. And that Toyota, yeah, it's going to get you around town. But what you really need is land. And what you really need for Christmas is land. All right.
Polk Texas, .07 acre property here, $4,200, 199 down and 200 a month for 25 months. Let me tell you how I'm going to renegotiate this one. If I were you, I would call up the seller and I would say, hey, listen, I want this property. These two men have been out there fishing for a few weeks now. I want the property. I'm going to do $4,000 cash or price and I'm going to do $100 down and $100 a month for 39 months and I'm going to take it from them.
that. This is property number: