What Private Lenders Look For Before Funding a Land Deal

Private lending can make or break an off-market land deal. Unlike banks, private lenders move fast — but they also look for a few key things before putting cash on the table:

1️⃣ Exit Strategy – Is there a clear plan to wholesale, build, or resell? Lenders want to know how they’ll get repaid. 2️⃣ Equity Cushion – Deals with 30–40% below retail value give lenders confidence that the collateral is safe. 3️⃣ Clean Title – Liens, unclear ownership, or probate issues = red flags. 4️⃣ Borrower Credibility – Experience, track record, and transparent communication matter.

The truth: Lenders aren’t just funding land — they’re funding people.

👉 Question for lenders & borrowers: What’s the #1 factor that makes you say “yes” or “no” to a land deal?