Wild AF Land Co Blog

How to Get Owner Financing on Land (Using My two 40 Acre parcels in Pershing County as an Example)

If you’ve ever dreamed of owning land but figured your credit score or income would disqualify you from a traditional bank loan, owner financing might be your new best friend.

Owner financing (also called seller financing) is when the person selling the land lets you make payments directly to them over time—no bank in the middle, no giant hoops to jump through.

At Wild AF Land Co., this is exactly how I structure my deals… including my two newest properties:
➡️ Two 40-acre parcels in Pershing County, Nevada that back up to over 17,000 acres of BLM land (Bureau of Land Management). In other words, your backyard basically turns into miles and miles of open public land.

So let’s break down how to actually get owner financing, step-by-step.

1. Find a Seller Who Offers Owner Financing

Not every land seller does this, so the first step is looking for phrases like:

• “Owner financing available”

• “Seller will carry”

• “No bank qualifying”

• “Easy payments”

On my site and listings, I highlight owner financing because it’s core to my mission: making land ownership possible for real people, not just cash-heavy investors.

2. Expect a Down Payment (But Not a Huge One)

Most owner-financed land deals require a down payment, but it’s usually flexible and way more doable than a traditional mortgage.

Typical owner-finance down payments might be:

• Flat amount (like $1,000–$3,000 down), or

• A small percentage of the purchase price.

For my Pershing County 40s, I structure down payments to be reasonable so buyers can lock in their land without draining their bank accounts.

3. Agree on Monthly Terms That Actually Fit Your Life

This is where owner financing really shines.

Instead of a bank telling you what you “qualify” for, you and the seller work out terms like:

• Total price

• Interest rate

• Length of the loan (for example, 5–15 years)

• Monthly payment amount

For a lot of my buyers, the goal is simple:

“Can I make this payment every month without stressing out?”

That’s the whole point—land ownership should feel exciting, not terrifying.

4. Review the Paperwork (Yes, Even If It’s “Easy”)

Even when it’s simple, owner financing should still be in writing. You’ll usually see:

• A Land Contract, Agreement for Deed, or Promissory Note

• A clear description of the property (legal description, parcel number)

• Payment schedule and due dates

• What happens if a payment is late or missed

• When the deed transfers into your name (often after the land is paid off)

If something doesn’t make sense, ask questions. A good land seller will be happy to walk you through it.

5. Close the Deal & Start Dreaming

Once the down payment is made and the paperwork is signed, you’re in business.

With my two 40-acre parcels in Pershing County, NV, once you’re under contract, you get:

• Access to your land

• The ability to start planning your camping spot, off-grid setup, or recreational basecamp

• And the added bonus of backing up to 17,000+ acres of BLM land for riding, hiking, exploring, hunting (where legal), and just… breathing.

It’s like getting 40 acres of private land plus thousands of acres of wild desert playground right out your back gate.

Why I Love Owner Financing (And Why You Might Too)

As a young land investor and the owner of Wild AF Land Co., I got into this business because I believe:

You shouldn’t need perfect credit or a six-figure income to own dirt.

Owner financing gives people a way to:

• Start building long-term wealth with land

• Secure a recreational or off-grid escape

• Own something real and tangible, not just digital numbers in an account

If you’re curious about owner financing or want details on the two 40-acre Pershing County parcels that back up to BLM land, reach out to me at Wild AF Land Co.

We’ll talk real numbers, real terms, and see if we can make “someday I’ll own land” turn into “this is my land.” 🌵🦬🏜️