$770 billion of farmland changes hands this decade. Most is headed for hedge funds, pension funds, and foreign buyers. A land contract is the third option — the farmer buys the ground directly from the landowner, and the ground stays with the family that works it.
Our free calculator models a seller-financed contract against a traditional cash sale — with taxes, interest, and cash-at-close side by side. Two minutes. No sign-up.
Acres, county, and a rough sale price. Don't know the price? Request a free comp.
Adjust down payment, interest, and term. Watch the annual payout update live.
A clean summary you can share with your CPA — Section 453 tax picture included.
Refer a seller-financed deal and keep the client, keep the deposits, and win the refinance when the contract matures. We handle underwriting, docs, and servicing.
You know which landowner clients are aging out and which farmers rent from them. Introduce seller financing before they call a broker.
The farmer needs 10–20% down — a loan your bank can win today, secured and serviceable.
Seller's annual payments land in a deposit account with you. Farmer's operating credit stays with you. We handle servicing.
At year five, the farmer refinances with real equity, payment history, and appreciated collateral. You're the natural lender.