Your own land, off the grid, for less than a phone bill.
Rural and recreational land for camping, RVs, hunting, and a future cabin. Start with a small down payment and a small fixed monthly payment. No bank, no mortgage application.
$499 down. Less than five $100 bills.
Starter parcel example: $11,900 price, $499 down, 180 monthly payments of $123 at a 10% fixed APR. Terms vary by parcel.
Own land with a small down payment
We sell land we own free and clear, and we finance it ourselves. No bank, no mortgage application, and a fixed monthly payment set up to fit a regular budget. Use your land for camping, an RV, hunting, a cabin someday, or a quiet place to get away from the city.
Examples, not a specific offer. Each is 180 monthly payments at a 10% fixed APR; 240-month terms are available for a lower payment ($110, $163, and $226). Payments shown are principal and interest; each listing quotes one all-in monthly payment that also includes property taxes and servicing. A document fee applies at closing. Every parcel also has a cash price, typically 35–40% below the financed price. No prepayment penalty.
How buying works
Pick a parcel and go see it
Every listing comes with photos, drone video, and a map link with GPS corners you can navigate to. We encourage a visit before you buy.
Apply and reserve it
Fill out a short online application, then pay the down payment and document fee online to take the parcel off the market.
Sign and set up autopay
Sign your contract electronically and set up autopay with our loan servicer, with the due date right after payday. Then the land is yours to enjoy.
- Off-grid living
- Camping and RV
- Hunting
- Future cabin or homestead
- Long-term investment
Areas we're focused on: South Dakota, Wyoming, Idaho, Nebraska, and Oklahoma, with more across the lower 48.
See what your payment could be
Move the sliders to estimate a monthly payment. Actual terms are set for each property.
All our notes carry a 10% fixed APR with no prepayment penalty.
- Amount financed
- Payments
- APR
- 10% fixed
- Down payment
- Or pay cash, about
Estimate only, not an offer of credit. Your quoted monthly payment will also include property taxes and servicing. A document fee applies at closing. Cash prices vary by parcel.
Questions people ask
Do I need a bank loan to buy?
No. We finance our own properties. You fill out a short online application, and the most important question is whether the monthly payment fits comfortably in your budget.
What's included in my monthly payment?
One all-in number: principal, interest at a 10% fixed APR, property taxes, and servicing. Our loan servicer collects the payment by autopay, pays the county taxes for you, and sends you a year-end statement.
When do I get the deed?
It depends on the state. In some states you receive the deed at closing and we hold a recorded lien until it's paid off. In others, you buy on a land contract and the deed is transferred to you when the balance is paid. Your listing and contract will say which applies. You can pay off early at any time with no penalty.
Can I camp, park an RV, or build?
Each listing spells out what the county allows. Camping and RV use are allowed or easy to permit on the land we sell. Permanent structures need any required county permits first, and dumping and junk vehicles aren't allowed.
What happens if I miss a payment?
There's a grace period before a late fee applies, and we'll reach out personally. Talk to us early. We'd much rather set up a catch-up plan than lose you as a buyer. Your contract spells out exactly what happens if payments stop.
Can I pay cash instead?
Yes. Every parcel has a cash price, typically 35–40% below the financed price.
Can I visit the land first?
Yes, and we encourage it. We'll send GPS coordinates for the corners, a map link, and access notes so you can walk it yourself.