8% APR flat. We hold the note, you hold the deed. No bank, no broker, no MLS.
Pick a parcel, sign the contract, wire the down payment, start your payments. That's the whole thing.
Browse 440+ Florida parcels by county, acreage, or how you'll use it. Drone shots, parcel map, and access notes on every listing.
Land sale contract emailed same day. No mortgage application, no FICO pull. Sign it, scan it, send it back. We countersign within 24 hours.
Standard down is $3,000. Wire it, check it, or pay it at our Polk County office. Deed gets recorded once the contract clears.
Make 84 monthly payments. Pay off early any time, no penalty. When the note clears, the deed is yours, recorded with the county.
Same numbers we've run on 3,900+ closed deals. No teaser rate, no balloon payment, no prepayment penalty.
Down payment
$3,000
Due at signing · check or wire
Monthly
$341
1st of the month · ACH or check
Term
84 mo
7 years · 8% APR fixed
Requirement 01
Whatever's on your driver's license. We don't pull credit, but we do file the deed with the county clerk, so the legal name has to match.
Requirement 02
Standard down payment on the average $15K parcel. Bigger parcel, bigger down. We'll quote you exact numbers when you pick a listing.
Requirement 03
ACH out of a bank account, a check in the mail, or a cashier's check dropped at the office. Whichever works. Late fee is $35 after the 10th.
| Mo | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 01 | $341 | $261 | $80 | $11,739 |
| 12 | $341 | $281 | $60 | $8,734 |
| 24 | $341 | $304 | $37 | $5,260 |
| 48 | $341 | $329 | $12 | $1,500 |
| 72 | $341 | $338 | $3 | $370 |
| 84 | $341 | $340 | $1 | $0 · Paid off |
Sample · $15,000 parcel · $3,000 down · 8% APR · 84 months
Standard amortization. Pay it down faster if you want · we'll send you an updated balance any month you ask.
440+ Florida parcels · 8% APR · No bank