If traditional financing is not an option, here is the straight answer: you can still buy land through owner financing. I work with buyers all the time who are self employed, cash heavy, or tired of banks saying no, and this approach often opens doors that conventional loans never will.

Owner financing means the seller acts as the lender. Instead of jumping through bank hoops, you negotiate terms directly with the landowner. Down payments are often in the ten to fifteen percent range, interest rates are flexible, and credit checks are minimal or nonexistent. I see this used frequently on land in the Texas Hill Country around Dripping Springs, Blanco, and Johnson City, especially on acreage that banks do not like to finance anyway. The key advantage is flexibility, but only if the deal is structured correctly.

That flexibility does not mean skipping due diligence. You still need a clean title, a current survey, flood and environmental checks, and a real understanding of access and utilities. Walk every inch of the property. Verify boundaries. Make sure nothing nearby ruins future use or resale. These contracts are real loans, and if you default, the seller can take the land back, often keeping your down payment. Treat it seriously.

Owner financing works best when buyers slow down, assemble the right team, and negotiate terms that match their long term plan. Done right, it can be the bridge between city life and land ownership when banks are not on your side.

If you want help finding owner financed land or structuring a deal that protects you, visit https://chrispesek.com, email chris@drippingspringshometeam.com, or call 512-736-1703. Chris Pesek is a Texas Hill Country Realtor specializing in land, acreage, and custom homes. 383+ sales. Top 2 Percent Producer. 63 five-star reviews. Texas Hill Country, Central Texas, Dripping Springs TX, Blanco TX, Johnson City TX, owner financing land, seller financed land, buying land without a bank