Episode 13

full
Published on:

3rd Jan 2026

Unlocking Land Ownership: The Power of Owner Financing

In this conversation, Scott from Landmodo.com discusses the benefits of owner financing for land purchases, highlighting various properties available across different states. He emphasizes the importance of understanding financing options, the creative potential of land investments, and the need for negotiation in property deals. The conversation provides insights into the real estate market, particularly for those looking to buy land without traditional bank financing.

TakeAways

Owner financing allows for easier land purchases without bank involvement.

Properties can be found at various price points and locations.

Understanding the unique benefits of each property is crucial.

Creative uses for land can enhance its value and utility.

Negotiation is key in securing favorable terms for land deals.

Many properties are available with low down payments and monthly payments.

Land investments can lead to significant equity growth over time.

The importance of aligning property choices with personal goals is emphasized.

Potential buyers should not let financing deter them from purchasing land.

There are numerous listings available across multiple states for interested buyers.

Clips:

"You can buy the land that you want"

"Negotiate the numbers"

"You can buy land pretty cheaply"


Chapters

00:00 Introduction to Owner Financing for Land

05:46 Diverse Opportunities in Apache County, Arizona

11:47 Understanding the Value of Owner Financing

18:07 Land Opportunities in Florida

24:08 Final Thoughts on Land Investment


Keywords

land, owner-financed land, real estate, property investment, land buying tips, land deals, financing options, land ownership, property listings, investment opportunities

Owner-Financed Land for Sale in Costilla, CO

Owner-Financed Land for Sale in Charlotte, FL


Transcript
Scott Todd (:

Hello land seekers, if you're looking for land, you're in the right spot because on this video we have 48 properties all with owner financing. What does that mean? It means that the owner will finance the land for you so that you don't have to worry about a bank, a credit check, mortgage, any of that other stuff. And let's go see what we can find in our 48 properties today. Our first property up is in Izard County, Arkansas. Here we have almost a 0.4 acre property. Cash price on this one is $2,200.

with 100 down and 100 a month for 21 months. Now this is what I call a Ben Franklin property. Why is that? Well, it's simple because well, the monthly payment and the down payment are each less than $100 a month. Okay, so how do you learn more about it? It's simple. Right over there, I have a QR code that you can scan that will take you to the listing.

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to to also an is there just a point three acre property cash price here is twenty four ninety nine another ben franklin property at ninety nine dollars down and ninety nine dollars a month for thirty months this is property number three four one five three seven i gotta tell you i gotta tell you old is your county arkansas not looking too shabby so check that one out also an is there is a point six eight acre property cash price here is seven thousand dollars

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Okay, but look, every property, every location has its own unique benefits in what you're trying to accomplish. That's why I have the buckets. I call them the four buckets because when you go to choose the property, you want to make sure that it aligns with your goals. The buckets help you to do that. Okay. All right. So here we go. Let's go to our next property. Also in Apache 1.12 acres. Look at the trees. I like these trees. $13,000 with 250 down and 250 a month for 60 months.

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Someone I know bought land out in this area. They were buying these one and a quarter acre lots like you see on this property right here. And what they were doing was they were taking and then they were getting the shipping containers and they were putting the shipping containers on the land, they were digging down a little bit. So they were digging it down, so they were putting the shipping container in the slot and then they were kind of building that out. They were taking these properties like these in Mojave.

one a quarter acre lots, they were putting that infrastructure in there and then selling them and literally doubling their money. It was a really interesting thing. I don't know if they're still doing that or not, but there's so many different applications that you can do.

you're only limited by what your mind can conceive is possible out there. I know other people that are taking properties like this, but over near the Grand Canyon, like the one that we said near was Grand Canyon West, and they're turning those into camping lots. One acre lot, they put up, ⁓ let's say eight little camping areas in there. They rent them out on like hip camp. These are ways that people are using this land. If you don't want to just use it for yourself.

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That is a beautiful area right there. Snowflake, Arizona, $99.97 with $199 down and $199 a month for 50 months.

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colorado five acre lot here. $:

but then they never pull the trigger because they're scared, because they don't know how to make it happen. I have to tell you, growing up, there was so many properties that I looked at even as a kid where I thought, man, someone should own that. I should own that. And specifically, the lot next door to where I lived growing up, there was a house on there that was condemned by the city. They tore it down. My friends lived there. They had to move out. The house gets condemned and then it sits.

vacant, this lot sits vacant for decades, decades. And one day I called the city, said, hey, how much to buy the land? I was 18 years old, how much to buy the land? And they said, it's $3,000. I didn't have $3,000 at 18 years old. I didn't have it. It seemed, you might as well just said $3 million. It was the same number to me. Now, what if the city would have said, oh, wow, it's $3,000 and you know, it's $100 today and $100 for

you know, next three years, no problem. I would have done it. But see, I didn't have the money. So the land slipped away and it sat vacant for literally decades that landed. Finally, it did sell to a builder who turned around and built a new home on there, which last I drove by that neighborhood, it's the house was thriving. But the story is, is that so many times we see properties and we want to do something with it. We want that for ourselves.

but we don't know how to do it, that's the value of owner financing. So I agree with this headline. Don't let the land slip away from you. Don't let the financing piece of it hold you back because anything is possible. And I hope that that's what you're taking away from seeing these opportunities here on this channel. All right, next up, Costilla Five Acres. Here we go, 15,950. Look at the area. I I want you to think about this one for a second. I know my picture's in the way here.

But look at this. You've got right there in the lower portion of the picture, you've got a Jeep. Yeah, that is a Jeep. You got nice road access in there. It's dirt road. Above the yellow line, I don't know if you can see it. I can see it when I look over to the right screen that I have right here. On this line that's over here, you can see a nice structure up there. Someone's building up there. This is a nice area.

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60 times 99 plus 50 bucks equals 15, 990, according to my quick math in my head. And as a result of that, this is a true zero down, I'm sorry, is true 0 % interest loan. So congrats props to the seller because they are nailing it with the numbers, I think. Okay, that's what I like to see. All right, Costilla 2.53 acres, cash price 74.99 with 2.99 down and then 120 a month for 60 months.

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Another costia 5.38 acres cash price on this one is $8,600 with one 90 down and one 90 a month for 60 months. This is property number three, four, one four zero eight costia 15 acres, baby. 15 acres, $22,000 with three 99 down and three 99 a month for 72 months. My quick math is telling me that that's that's adding up. I think it is you guys.

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Okay, I call this out not to say that the seller is wrong because the seller is not wrong in their pricing. That property price is probably closer to the $8,000 that they're asking for in the terms. They're giving a cash discount though, is what they're doing. But I want you to negotiate. Break out your negotiation hat, Negotiate the numbers. They're all negotiable when you're dealing with the seller and that's one of the beauties of owner financing as well. All right.

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He's offering to buy people's land for that price that you see right there. Why is he doing that? Because he said in the video, I'm turning around and I'm selling them to builders and adding five to $10,000 onto it. The reason I tell you that is because it's easy to look at that number and go, ooh, but I can show you the guy on Instagram who's paying that price

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That means that you retain the rights to the others that you can eventually sell in the future. So you have this one. That means that you have two that you can sell in the future should you want to. And as land goes up in value, you're making an investment today where your property could eventually be free. How do you learn more about it?

Property number is:

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reminds me of some land that my dad bought back in the 80s, like late 70s to 80s. He bought 20 acres.

and he had a pickup truck and I remember going out to the land with him to see it. It was in Florida, 20 acres, and there was no fences up. was just land like this with some dirt roads. We drove the truck up there, we got out, we walked through the land. Me and my kid cowboy boots and I don't know. My dad had a dream of being a cowboy and growing crop, which he eventually did. He grew some watermelon. But that land also brought me

All right, property number is:

5729 another 10 acres man And then says there's a gold claim on it. No rules. No competition All right, I don't know I got a you got to go figure this one out $17,000 with 200 down and 200 a month for 84 months. I do know that there's on the land up there I mean, I've seen pictures where people have bought land and they've sent me a picture like I found gold on my land

cool. Property number here is:

39,599 with 999 dollars down and 450 a month for 86 months. I rarely see five acres in costilla Normally, they're smaller that like an acre maybe two acres five acres unheard of Property number here is three four one five four nine and I bet you I don't see this one on this channel next week. All right Where we going hard? I'm in

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Imagine for a second, one hour from Houston with a property near a lake, 10 years from now, what is the price of this land going to be? $4,200? I think it's more than that. So how do you deal with this one? It's $199 down and then $200 a month for 25 months in two years. In two years, you can own this thing and it's all yours.

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I want you to keep your land search journey going. Check out this video here because that's where I'm going to see you next.

Show artwork for Landmodo: Buy Land with Owner Financing

About the Podcast

Landmodo: Buy Land with Owner Financing
The dream of owning land doesn’t have to stay a dream. The Landmodo Podcast helps everyday people become landowners—without banks, credit checks, or complicated jargon.
Each episode shows you how to find, evaluate, and buy affordable, owner-financed land anywhere in America.

Whether you’re looking for an off-grid getaway, a future homesite, or an investment for your family, you’ll discover stories from real buyers, insights from land experts, and practical tips to help you shop with confidence.

Landmodo is where Land Seekers™ go to learn, explore, and take the next step toward ownership.

If you’ve ever wondered “Can I really buy land that fits my budget?” — this show will show you how.