64 Owner-Financed Land Deals Across 11 States: Zero Down Payment Properties
Episode Overview
Join Scott from LandModo.com as he walks through 64 incredible owner-financed land opportunities spanning 11 states. Discover how you can start your land ownership journey today with zero down payment options, no credit checks, and monthly payments as low as $39. Whether you're looking for recreational property, a buildable lot, or an investment opportunity, this episode covers everything from quarter-acre lots to 20-acre parcels.
What You'll Learn
- How owner financing works and why it's easier than traditional bank loans
- Why banks avoid financing land under $50,000-$75,000
- How to start land ownership in just days (not weeks or months)
- Properties with payments as low as $39/month
- Zero down payment opportunities available now
- The "four bucket" system for evaluating land opportunities
- Featured Properties by State
Alabama (2 properties)
- Calhoun County: 0.5 acres, $16,500 | Zero down, $275/month for 60 months
- Jefferson County: 0.65 acres, $20,000 | $1,000 down, $315/month for 84 months
Arizona (14 properties)
- Apache County: Properties ranging from 0.34 to 5 acres
- Cochise County: Quarter-acre lots starting at $1,750
- Mojave County: 2.35 acres from $7,500
- Navajo County: 1.25 acres at $49,500
- Santa Cruz County: 2 acres near Rio Rico for $8,000
- Yuma County: 1 acre for $84,990
Arkansas (2 properties)
- Izard County: 0.5 acres near Strawberry River, $4,125
- Sharp County: 0.35 acres, only $1,449 cash or $69 down/$69 monthly
California (2 properties)
- Modoc County: Nearly 1 acre, $8,500
- San Bernardino County: 2.5 acres in 29 Palms, $23,776
Colorado (8 properties)
- Costilla County: Multiple 5-acre parcels from $5,000 to $11,500
- Properties near Rio Grande River with $1,000/acre pricing
Florida (12 properties)
- Charlotte County: 5 quarter-acre lots from $14,900-$19,950
- Citrus County: 0.37 acres, $28,000
- Hamilton County: 1.5 acres, $35,000
- Jackson County: 1-acre lots, $18,000
- Marion County: Ocala area properties
- Putnam County: 6 properties with prices from $7,000-$12,995
Nevada (3 properties)
- Elko County: Properties from 1.13 to 20 acres
- 20 acres for only $14,000 ($700/acre)
New Mexico (3 properties)
- Luna County: 1.5 acres, $4,250 | Half acre for $1,200
- Valencia County: 2.5 acres, $5,400 with zero down
North Carolina (1 property)
- Ashe County: 1.94 acres, $37,599
Oregon (1 property)
- Klamath County: 0.39 acres, $15,532
Tennessee (4 properties)
- Benton County: 0.5 acres near lake, $13,000
- Cook County: 0.73 acres, $48,995
- Hawkins County: 0.67 acres, $18,995
- Henry County: 0.7 acres near Paris, $18,995
Texas (5 properties)
- Hudspeth County: 20 acres, $20,000 ($1,000/acre)
- Polk County: 0.07 acres, $4,200
- Presidio County: 10 acres, $10,000
- Tyler County: 0.18 acres, $1,990
Key Highlights
"Ben Franklin Properties"
Properties with $100 down and $100/month payments - perfect for budget-conscious buyers
Zero Down Deals
Multiple properties available with no down payment required
Best Value Finds
- Lowest Price: $1,449 cash (Sharp County, Arkansas)
- Best Price Per Acre: $700/acre (20 acres in Elko County, Nevada)
- Lowest Monthly Payment: $39/month (Luna County, New Mexico)
Owner Financing Advantages
- No Credit Checks: Your credit score doesn't matter
- Low Down Payments: As little as $0-$500 on most properties
- Fast Approval: Start ownership in days, not months
- No Bank Required: Owner acts as the lender
- Flexible Terms: Negotiate directly with the seller
- Consumer Protections: Credit card dispute protection and legal safeguards
The Four-Bucket Property Evaluation System
Bucket 1: Can you live on it today?
Bucket 2: Can you build on it?
Bucket 3: Can you use it recreationally (camping, RVs)?
Bucket 4: Investment/future value potential
Important Notes
- All properties featured are available on LandModo.com
- Over 13,000 owner-financed properties available on the platform
- Terms and prices subject to change
- Property taxes vary by location - check individual listings
- Scan QR codes or use property numbers to access detailed information
How to Get Started
- Find a property that interests you in this episode
- Visit LModo.ws/[PROPERTY-NUMBER]
- Review the full listing details
- Contact the seller directly through the platform
- Make your down payment (often via credit/debit card)
- Sign documents electronically
- Start your land ownership journey within days
- Property Reference Numbers
Quick access to featured properties:
- Alabama: 328600, 337358
- Arkansas: 333846, 335953
- Arizona: 337359, 334954, 328190, 337301, 324419, 336395, 327465, 337239, 324900, 337393, 337369, 337345, 336585, 337115, 336148, 337460, 336374
- California: 337065, 289426
- Colorado: 336912, 336286, 336702, 336816, 334960, 320764, 213199, 336222
- Florida: 336711, 329786, 337364, 318808, 337456, 326549, 336444, 337344, 323472, 337511, 335101, 337326, 294679
- Nevada: 316408, 323194, 320391
- New Mexico: 337537, 337530, 326384
- North Carolina: 337419
- Oregon: 327273
- Tennessee: 336812, 334987, 329367, 336359
- Texas: 336871, 337450, 307061, 318777, 336666
Resources
Website: LandModo.com
Direct Property Access: LModo.ws/[property-number]
Total Listings: 13,000+ owner-financed properties
Connect with LandModo
Subscribe to stay updated on new property listings and land ownership tips. Help make your land ownership dreams a reality today!
Keywords
owner financed land, cheap land for sale, zero down land, no credit check land, owner financing, affordable acreage, investment land, recreational property, buildable lots, rural land for sale, land deals, affordable real estate, off-grid property, Arizona land, Florida land, Colorado land, Texas land, New Mexico land
Disclaimer: Property availability, prices, and terms are subject to change. Always verify current information directly with the seller before making any commitments. Consult with legal and financial professionals before making real estate purchases.
Transcript
Hello land seekers, if you're looking for land, you're in the right spot because on this video, I have 64 properties. We haven't had this many in a hot minute. 64 properties in 11 states. Lots of land, lots of states. Let's jump to it. I'm Scott from LandMoto.com and this channel is about helping you to make your land ownership dreams a reality. So you can start living those dreams today. You don't have to put them off for another day.
Now, how does owner financing work? Simple. The owner is going to sell you the land and they're going to provide the financing. Hence, owner financing. You don't have worry about a bank. You don't have to worry about large down payments, credit checks, none of that. And in this video, there's 64 properties, but on landmoto.com, there are 13,000 plus properties all with owner financing. So you can find the property that you're looking for
without further ado, let's jump into the first property and here we go. There we are, we're off to Alabama, Calhoun County, Alabama, half acre here, 16,500, zero down, come on guys, zero down, and 275 a month for 60 months. Look at this unrestricted corner lot. You can see the power there, you can see, yes.
It's a dirt road, but it's also a paved road. Either one of those is available right there. I love it both. Paved roads and power. Those are my words. Lake access. Notice that up there. Now, how do you learn more about it? How do you connect with the seller? How do you talk to the seller? Simple. Scan the QR code that you see on the screen, or you can go to the short code, elmoto.ws.
is case, it's property number: e by going to property number: nths. This is property number: ent. That is the cash price. $: easy. This is property number: $: nths. This is property number: nths. This is property number:and you find the right property for you. You make the down payment. You sign the documents electronically. You start land ownership almost instantly. within a few days, you are down the path. This is not a 30 to 45 day approval process. If you like instant gratification, this is it. Land is the way to do it. You can scratch that itch today. That's what I love about it.
man. This is property number:6395, again, all the buckets, just mark them all off. Here we go. Whoa, who's this up there? Okay, that's pretty cool. You have a buildable lot near Douglas. I don't know who these people are. They've climbed some mountain. So you can do it too. You have a quarter acre lot. I mean, your lot is not on the mountain. You have to go see the listing to get the actual pictures.
ars in a month. What is this?: This is property number: Seriously. Property number is: this. This is property number: nths. This is property number:You're done. One, two, three, four, any bucket you want. But also you have a Ben Franklin property. All right. So how are you going to learn more about it? Scan the QR code or head over to property number three, three, seven, three, six, nine Mojave one acre cash price, 79.99 with one 99 down and then one 89 a month for 48 months. This is property number three, three, seven, three, five. Let's do it again. Three, three, seven, three, four, five.
nths. This is property number:without requiring you to get a bank. Why would they finance this and like you not have to pay cash? Isn't that the way real estate works? Well, it's simple. The banks do not want to touch real estate that's less than $50,000 $75,000. That's their minimum threshold. Below that, they're not interested. They're not interested in talking to you. They're not interested in financing it.
Maybe if you have great credit and you wanna do a signature loan, that's fine, a personal loan, but a real estate loan, they're not gonna do it. Something secured by real estate, they're just not gonna do it. So if that landowner wants to sell their land, their only option is to finance it or for you to come with cash. One of those two options, that's it. Those are your two options. That's their two options. Now you have two options too. You can owner finance it with them. They serve as the bank.
Then or pay cash whatever you want and people will say Scott Isn't it risky isn't it risky to do owner financing? No, I don't think it's risky at all. In fact number one you see The the reality is is that you're probably gonna pay with I maybe a credit card especially your down payment You're probably gonna pay that with a credit card or debit card. Guess what? You have the power of the dispute. You have the credit card company got your back. They have your back
Now, I'm not telling you to go use that. I'm just saying that you have protection. You know what you have? You have the law. Because if that seller doesn't do what they say they're going to do, that is a financial crime. You got the law in your hands. You think the law wants to get involved with this? Come on. You got protections, OK? You got contracts. You got all this other stuff. So I don't think it's risky at all.
Not at all. All right, let's keep going here. We have this property here in Mojave. We have a five acre property. especially when you deal with people like this guy, Zetoland. I mean, there's lots, if they're on this channel, they're premium Lister on Landmoto. Zetoland is. This guy's been around forever. Go look at their reviews on Landmoto. Go look at them.
nths. This is property number: nths. This is property number: nths. This is property number: nths. This is property number: nths. This is property number:All right, next up is going to be my clicker is not working. Next up is going to be where is it? Clicker. There we go. Costilla, Colorado, five acres, cash price 11,500 with 299 down and then 249 a month for 60 months. This is property number three, three, six, nine, one, two. Okay. Ooh, that's a nice costilla lot by the way. Very nice. Another costilla lot, five acres, $7,200.
nths. This is property number: nths, this is property number: This is property number: nths. This is property number:And I'm looking at it, he's looking at me, and then the text pops up and says, two donkeys, if you know what I'm saying, two donkeys staring at each other.
That wasn't nice. That was not nice. But now I'm looking at these horses and I'm reliving that donkey moment. Moving on. Five acres near the Rio Grande River, $5,000. $1,000 per acre. Come on. $99 down, $99 a month. Bucket one, two, four, baby. The only thing I don't like, the only thing I don't love about this deal, and it's fixable.
It's you can fix this. I like the price, $5,000. I like it's the fact that it's $1,000 an acre. I like the county. I like the location. What don't I like? Come on, you guys know it. You know what I'm going to say. I don't love that term. But you can fix it. See, you could fix it. And the way you fix it is you negotiate it. You say, yeah, 74 months. Scott doesn't like that term. Doesn't like that term. Use me. I'll be the bad guy for you.
ight, property number here is: zero. Property number here is: nths. This is property number: nths. This is property number: nths. This is property number: nths. This is property number: This is property number:The owner doesn't care who's going to owner finance this. They don't care what your credit score is. That's pretty nice. Here's the deal though. The bank is going to require 20 % down. So let's just do some quick math. I'm going to round up. Let's look at this one again. $30,000. Let's just say this one was $30,000. 20 % of $30,000 is $6,000. So the bank is going to tell you, okay, we'll finance this if you give us $6,000 as the down payment.
s it. This is property number:The house that I grew up in, my mom and dad did not have the money to buy the house that I grew up in. And my mom basically owner financed that lot from a lady. And that was the house. So owner financing doesn't just apply to land, it applies to houses too.
nths. This is property number: nths. This is property number: nths. This is property number:I like the price. I like the cash price. I think the term is somewhat aggressive. I'd like to see that stretched out to lower your monthly payment. I would change the numbers here. You can change the numbers. You have the ability. You have my ability to say, Scott said we should change the numbers. You change the numbers to what you want. Worst case, they're going to tell you is they're going to say no. Most likely cases, they're going to say, OK, that's it. Especially if you, I don't know.
nths. This is property number: his one. It's property number: nths. This is property number: t to. Property number here is: ike that. So what happened in: Property number is: nths. This is property number:when i go back to that you and i will know the joke why i'm saying it wrong is to get people fired up again and drive the comments and you crazy enough youtube loves the comments it's like the ultimate i'm just talking about this is like the ultimate troll strategy elko see i don't even know what's right anymore nevada nevada i've just completely messed myself up i've
I had it down, now I don't even know. I gotta think about it. All right, Elko Nevada, Nevada. Check this out, there's my ATV crew right there. They're going 2.13 acres. Yeah, look at this, and the doom buggies at the, is that a doom buggy at the base? Nah, I think that's a doom buggy at the end. We're all, look, we're all on our ATVs, riding out there, I'll be in the doom buggy at the back.
nths. Property number here is: nths. This is property number: -: find too. Property number is: nths. This is property number: This is property number:On the family feud, Steve Harvey asked top 100 people asked, whatever. See, I'm never going to make it on the family feud. 100 people surveyed top 10 answers on the board is actually seven top seven answers on the board. What States, what us States would be called God's country. They're going through them like that. The only one I saw that before I got bored and flipped away on Instagram was Texas.
onths this is property number: gain, this is property number: t it. Property number here is:8777 Tyler, Texas .18 acres cash price on this one is 199 with 124 down and then 60 a month for Well, no, I got it wrong. It's 199 down and then 124 month for 60 months This is property number three three six six six six Look, we just went through 64 properties in 11 stays I hope that you found the land connection and if you did not keep the search going head over to landmoto.com
13,000 listings on there. And by the way, you can look for more properties in this video. And that's where I'm going to see you.
