56 Owner-Financed Land Deals You Can Buy With Low Payments

In this episode, Scott walks you through 56 properties that offer owner financing, meaning:Low down payments and low monthly paymentsNo bank loan requiredNo credit checkDirect seller financing on many listingsYou’ll hear quick highlights, pricing, and what each lot is best for (recreation, off-grid, long-term hold, etc.), plus Scott’s real-world advice on negotiating terms when the math feels off.Key takeawaysOwner financing is the shortcut around banks. You’re buying land directly from a seller who provides the payment plan.“Ben Franklin properties” are the ones with payments under $100. Scott flags these as a great entry point for buyers who want to start small.Match the land to your purpose. Scott repeatedly emphasizes aligning your plan (camping, off-grid, long-term investing) with the specific lot’s features.Land is a long-term asset with low holding costs. Taxes are often low, so the carrying cost can be minimal compared to other investments.Negotiation is part of the game. When terms don’t add up cleanly, Scott explains how he’d structure an offer and why many buyers miss opportunities by not negotiating.Featured states and regionsArkansas Land for Sale (Izard County, Van Buren)Arizona Land for Sale (Apache, Cochise, Mohave, Pima, Santa Cruz)California Land for Sale (Modoc, Northern CA near Oregon)Colorado Land for Sale (Costilla County, Rio Grande area)Florida Land for Sale (Charlotte, Highlands, Holmes, Putnam, Jackson, Polk)New Mexico Land for Sale (Luna County)Nevada Land for Sale (Elko)Oregon Land for Sale (Klamath)Texas Land for Sale (Polk)Episode moments and recurring themesArkansas affordability: Multiple sub-$4K lots, including 0% interest examples where the math matches the cash price.Arizona for off-grid and long-term holds: Several properties positioned as “trade city lights for starry nights” style lots.Modoc County urgency: Scott notes that Modoc listings tend to sell quickly and “don’t stay on the channel.”Florida spotlight: Scott calls out Florida as his favorite state and highlights larger lots, including rare 1–2 acre parcels.The “ring” joke: A Mojave listing sparks a running gag about selling land to buy a ring.Negotiation coaching: Scott breaks down a Colorado listing where the total payments seem high vs. the cash price and explains how to approach the seller.Framework mentioned“Landmodo Buckets” (how Scott thinks about land use):Off-gridRecreationalLong-term investmentScott references using buckets to decide what land fits your goals before you buy.How to get property detailsScanning the on-screen QR codesUsing short links shown in the video for each propertyVisiting Landmodo to browse 13,000+ owner-financed listings