Owner-financed Florida land from Lotvestors LLC, since 2015
Own Florida Land for $99 Down. No Credit Check.
We own every parcel we sell and we finance it ourselves: $99 down, a $199 document fee, fixed monthly payments, no penalty for paying early. Most of our land is buy-and-hold investment acreage, not building lots, so read before you reserve.
Three steps
How buying land from us works
No loan application, no credit pull, no waiting on a bank: pick a parcel, sign the contract, make the payments, with Lotvestors LLC as the seller and the lender.
Pick a parcel and reserve it online
Browse the available parcels, read the whole listing (everything we know about the property is in it), and check anything that matters to you with the county Planning and Zoning office. When you are sure, hit Reserve and fill in the short form. The parcel is marked Sale pending and held for you for 24 hours while we email you an invoice for the $99 down payment plus the $199 document fee, $298 total, from payments@lotvestors.com. Pay it within those 24 hours and the parcel is yours. The payment is non-refundable, so be certain before you pay. There is no credit check and no employment verification.
Sign the contract and set up payments
Within two business days of your payment you get the Purchase Agreement and Contract for Deed by email through SignNow. Read it, then sign it electronically from your phone or computer within seven days; if it is not signed by then, the reservation is void, the $298 is forfeited, and the parcel goes back on the market. You also tell us how you want to pay each month: auto-debit from checking, card, an emailed invoice, or a check by mail. Your first monthly payment is due on the 15th of the following month.
Pay it off and take the deed
Make the fixed monthly payments for the term shown on the listing, or pay extra whenever you like. There is no prepayment penalty, and every early dollar cuts the 16% interest you would otherwise pay. While you are paying, the parcel stays titled to Lotvestors LLC under the Contract for Deed. When the balance hits zero, we draw up a deed in your name, record it with the county, and the land is yours outright. That is the whole process.
Read the whole process, including what happens after you pay →
Available now
Parcels you can reserve today
Every listing shows the cash price, the monthly payment, the term, the parcel number, and the annual taxes. New parcels are added as we buy them, and they tend to go quickly. Every parcel is owned by Lotvestors LLC.
Polk City, Polk County, FL
Over Two Acres One Lot From the Road Near the I-4 Interchange
Parcel 26-26-30-000000-014150
Two adjoining one acre lots in Orlando Pines Unit 1, Polk City, one lot off Old Grade Road and a short distance from the Interstate 4 interchange, halfway between Tampa and Orlando.
- Down
- $99
- Monthly
- $176.77
- Cash price
- $8,999
- Size
- 2.01 acres
DeLand, Volusia County, FL
1.25 Acres for Investment off International Speedway Blvd
Parcel 6129-01-03-0160
1.25 acres in University Highlands, a never completed subdivision off International Speedway Boulevard between DeLand and Daytona Beach.
- Down
- $99
- Monthly
- $95.44
- Cash price
- $4,499
- Size
- 1.25 Acres
Polk City, Polk County, FL
Two Acres in the Path of Growth by I-4
Parcel 26-26-16-000000-023260
Two adjoining one acre lots in Orlando Pines Unit 2, Polk City, near the I-4 and US 27 interchange and the Davenport distribution centers.
- Down
- $99
- Monthly
- $167.79
- Cash price
- $6,999
- Size
- 2 acres
DeLeon Springs, Volusia County, FL
2.5 Acre Land Banking Opportunity in Deleon Springs
Parcel 5022-00-00-0641
2.5 acres of buy-and-hold land off State Road 11 in DeLeon Springs, Volusia County, between I-95 and SR 11 west of Daytona International Speedway.
- Down
- $99
- Monthly
- $119.16
- Cash price
- $4,999
- Size
- 2.5 Acres
Why buy from us
What you get here that you will not get from a bank or a broker
We have been buying and selling Florida land since 2015. Here is what that looks like from the buyer's side.
No credit check, no bank, no waiting
Anyone who can make the monthly payment without stress is approved. We do not pull credit, verify employment, or ask for tax returns. You reserve online and sign online, without ever visiting an office. The whole thing runs on a Contract for Deed between you and us, so there is no lender in the middle and nobody to say no.
We own what we sell
We are not agents or brokers. Every parcel on this site belongs to Lotvestors LLC, and most of them never touched the MLS. We buy directly from landowners who need to sell, often for cash and quickly, and we pass that discount to you instead of marking it up for a commission. When you have a question, you are talking to the owner of the land.
No prepayment penalty, ever
Interest on our owner financing is 16%. That is not cheap, and we say so, but it is what lets us finance everyone without a credit check, and it is still better than most credit cards. The way to beat it is simple: pay extra, pay early, pay it off. We never charge a penalty for early payoff. You save money and we get to move on to the next parcel.
Straight talk about what the land is and is not
Most of our parcels are investment acreage: no road, no power, not buildable now, and you cannot camp, build, clear, or store anything on them during the contract. We put that on every listing in plain English, along with the annual taxes and the parcel number so you can check it yourself. We would rather lose a sale than sell you the wrong parcel.
The Investment Acreage Program
Buy it, hold it, leave it alone
- Down payment
- $99
- Document fee
- $199
- Credit check
- None
- Early payoff
- No penalty
- Interest
- 16% fixed
- Deed
- Yours at payoff
Most of the parcels on this site belong to what we call the Investment Acreage Program. It is a simple idea with a long name: we hand-pick vacant parcels that are extremely inexpensive to buy and carry extremely low property taxes, in parts of Florida where growth is heading, and we sell them to people who want to own land and wait.
That last part matters. These parcels are bought to hold, not to build on. Nearly all of them sit inside subdivisions that were platted and never finished. There are legal rights of way on paper, but no roads were built. There is no power, no water, no sewer. Some have no physical access at all today. We say this on every listing and we are saying it again here because it is the single most common misunderstanding we deal with.
What you cannot do during the contract
While you are making payments, the parcel stays titled to Lotvestors LLC under a Contract for Deed, and the contract has rules. They exist because a handful of past buyers broke local laws on land we still owned and left us holding the liability. So, until the parcel is paid off and deeded to you:
- You cannot live on the property or let anyone else live on it.
- You cannot camp on it, park an RV or trailer on it, or park anything else on it.
- You cannot build, fence, clear, or alter the land in any way without our written consent.
- You cannot store or leave items of any kind on it.
- You must comply with every building, zoning, and health code that applies, and you pay for any cleanup, fine, or permit cost that results from a violation, whether it was you or someone else.
- You cannot record the contract in the public records.
Break one of those and the contract is in default. The full list, along with the late fee and the default notice terms, is on the Owner Financing page. Read it before you pay.
Who this is for
The program is for people who understand, or are willing to learn, what buy-and-hold land is. You have some money you would rather put into a hard asset than another month of takeout. You can make a fixed payment every month without strain. You are patient, you like the idea of owning acres in a growing state for less than the price of a used car, and you are fine with a parcel you may never stand on. If you can get to it, some parcels may allow recreation like camping or ATVs, but that is a bonus, not the point.
Our owner puts it this way: Don't wait to buy land. Buy land and wait.
Who this is NOT for
If you want a place to build a house, set a mobile home, park an RV, run a business, or store equipment, please do not reserve an Investment Acreage parcel. It will not do that now, and we cannot tell you when or whether it ever will. Buy a building lot instead, from us when we have one or from someone else. Anyone who needs the money back in a year, or a return they can count on, should pass on this too.
The honest part about risk
Land can lose value. Growth does not reach every parcel, and it can take longer than anyone expects. Zoning can change, wetlands rules can tighten, and a parcel with no road can stay a parcel with no road for a very long time. We give opinions about future value as a courtesy, and they are only opinions. Nothing is guaranteed. All payments are non-refundable and every parcel is sold as-is, where-is.
What we can promise is that we tell you everything we know about each parcel, we give you the parcel number so you can look it up yourself, and we point you to the county Planning and Zoning office for anything about use. The longer argument for why patient people buy land like this is in Is this useless land? and Land banking in Florida. Then look at the available parcels and decide with your eyes open.
All the financing terms See available parcels
Why central Florida
Where the growth is going, and where it is not
Look at a map of Florida and draw a line from Tampa to Orlando. That line is Interstate 4, and the land on either side of it, much of it in Polk County, is where a large share of our parcels sit. It is also where the state has been building for years: the interchange of I-4 and US 27 near Polk City is ringed with distribution centers for Walmart, Amazon, FedEx, and others, because a warehouse halfway between two of the biggest metro areas in the state can serve both. Roads get widened, ponds get dug, and fields that were pasture become truck yards.
Roughly a thousand people a day move to Florida, and they need somewhere to live, work, shop, and ship. The cities fill up first. Then growth pushes outward along the highways, and the vacant land in its path, land that was cheap because nobody had a use for it yet, gets a use. That is the whole thesis behind buy-and-hold land, and it is why buyers who understand it look at Polk City, at Volusia County around DeLand and DeLeon Springs west of Daytona, and at the Charlotte Harbor area around Punta Gorda and Port Charlotte, where an expanding airport and the coast keep pulling people in.
We have watched it happen in our own home town. Sarasota parcels that were wetlands, that had "Conservation Area" signs on them, that sat next to noisy stretches of I-75, are now grocery stores, restaurants, and apartment complexes. We are not cheering for that, and we do not like seeing habitat cleared. But it is what happens in a state that keeps growing, and it is why land that looks useless today gets called something else later. We wrote more about that in Is this useless land?.
The counter-argument, which is also true
Growth does not reach every parcel, and it does not run on your schedule. A subdivision that was platted and never built can stay that way for a very long time. Some tracts sit in flood zones or wetlands that may never be developed. A developer who wants to assemble a whole area may never show up, or may show up and offer less than you hoped. Interest rates, hurricanes, and recessions all slow things down. Anyone who tells you a specific parcel will be worth a specific amount by a specific date is guessing, and so would we be. We do not publish appreciation figures because we cannot back them up.
So buy what you can afford to hold without worrying about it, pay it off as fast as you reasonably can, and treat any upside as the reward for patience rather than a promise. If that sounds right to you, the available parcels are the place to start.
Questions buyers ask first
- How does your Florida owner financing work?
- You pick a parcel on our site and reserve it with the form on the listing. The parcel is held for you for 24 hours while we email you an invoice for the $99 down payment and the $199 document fee ($298 total) from payments@lotvestors.com; pay it in that time and the parcel is yours. There is no credit check and no employment verification. Approval comes down to one question, and you answer it: can you make the monthly payment without hardship? Within two business days of payment we email you a Purchase Agreement and Contract for Deed to sign electronically. You then make fixed monthly payments at 16% interest, with no penalty for paying off early. When the balance reaches zero, we draw up a deed in your name. The full details are on the Owner Financing page.
- Why are your properties so cheap?
- Two reasons. First, we buy directly from landowners who need or want to sell, often for cash and quickly, so we buy at a discount and pass part of that discount to you. Second, cheap land is usually cheap for concrete reasons: no maintained road, no utilities, not buildable today, or a rural location. We tell you what we know about each parcel on its listing. A low price is a description of what the land is today, not a promise about what it will be worth later.
- Do you run a credit check?
- No. We do not pull your credit, verify your employment, or ask for income documents. Our only approval question is whether you can make the monthly payment without stress or hardship, and you are the one who answers it. The trade-off is that if you stop paying, you lose the parcel and the payments you have made, though a default does not affect your credit in any way. Please be sure the payment fits your budget before you reserve.
- What does the $99 down payment cover?
- The $99 is your down payment on the purchase price and it reserves the parcel for you. It comes off the cash price, so on a $4,999 parcel you finance $4,900. It does not cover the $199 document fee, which is separate. Reserving holds the parcel for 24 hours while the invoice comes to you; paying it takes the parcel off the market and starts the clock: within two business days you receive the contract by email, and you have seven days to sign it. Like all payments, the $99 is non-refundable.
- Can I visit the property before I buy?
- You are welcome to try, but for many of our parcels we do not recommend it. Some parcels have no physical road access: they sit inside subdivisions where the streets were platted but never built, and the only way in is a trail through someone else's land, or nothing at all. Each listing states what we know about road access. Where a parcel has a maintained road or a known trail, the GPS coordinates on the listing will get you there. Where it says no access, please believe it.
- Are you an agent who lists land for sale?
- No. We are not agents or brokers, and we do not mark up someone else's land to earn a commission. Lotvestors LLC owns every parcel we sell. When you reserve a property, you are dealing with the owner of record, and the Contract for Deed is between you and us. You can confirm ownership yourself by looking up the parcel number on the county Property Appraiser website; the owner shown will be Lotvestors LLC.
Questions
Questions about a parcel?
Tell us which parcel you are looking at and what you want to know. A real person at Lotvestors LLC answers by email, usually within one business day.
We work by email, not by phone: it keeps a written record of every answer about a parcel.