It is a weeknight, you found a lot you like, and the listing says "owner financing available" with no explanation. Owner financing means the seller is the lender. No bank, so no loan application, no credit check, no closing table. On my Izard County, Arkansas lots: $149 at signing ($49 down plus a one time $100 document fee), then $105 a month for 48 months. The $105 is $95 toward the price plus a $10 note servicing fee; card payments carry a 1.9% payment processing fee. The financed total is $5,189, about $5,285 if every payment goes on a card with the 1.9% processing fee, and higher than any cash price on my lots: that gap is what the financing costs. When the last payment clears, the deed goes into your name. Build after payoff. Permanent improvements (foundation, well, septic, utilities) before the final payment need YAI's written OK first, section 11 of the sample contract. Cash buyers can build as soon as the deed is recorded.
0.35 acres in Horseshoe Bend, AR
Parcel 800-07198-000
$2,499 cash
or $149 at signing and $105 a month for 48 months
0.25 acres in Horseshoe Bend, AR
Parcel 800-02498-000
$2,250 cash
or $149 at signing and $105 a month for 48 months
0.28 acres in Horseshoe Bend, AR
Parcel 800-02489-000
$2,250 cash
or $149 at signing and $105 a month for 48 months
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YAI LLC sells owner-financed rural lots in Izard County, Arkansas, around Horseshoe Bend, for $1,995 to $2,499 in cash or $149 at signing and $105 a month for 48 months, with no bank and no credit check, to buyers who want to buy land without first saving the full price.
90-day satisfaction guarantee on owner-financed purchases: walk away and your down payment and monthly payments are refunded (the $100 document fee is not). No visit required. Cash purchase: cancel for a refund any time before the deed is recorded with the county.