Typically a 20% – 30% down payment will get it done for you along with qualifying for the other traditional loan qualifications based on Credit, Income, Assets and a few other factors.

Local Community Banks  (think of a small, locally owned and operated non-wall street bank) tend to be the best places to obtain traditional lot loans and if you are a Real Estate Investor, consider Private and/or Hard Money Lending as we at Blink Lending love lending to investors who are buying lots and/or land.

Traditionally lot loans are a little easier to obtain vs land loans as lots are already developed with road access and utilities.