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Is Buying Owner-Financed Property Worth the Investment?

Posted by admin on November 25, 2019
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One of the biggest investments you can ever make in your life is purchasing property. Whether you intend to use the land to build a home or for commercial purposes, you should be aware that owning and maintaining land requires effort and dedication – but the benefits can be tremendous.  

It’s completely understandable that you might be a bit hesitant when it comes to purchasing property. There’s plenty you should be aware of before making such an investment.

That’s why the good folks at Santa Cruz Properties are here. Let our realty experts help to break down what you need to know about purchasing owner-financed lots and how it can be one of the best decisions you can make for your future.  

About Owner-Financing

Buying land can be a big commitment and potential buyers generally seek assistance from traditional lenders (i.e. banks or mortgage lenders) in order to make this happen. Unfortunately, there are many instances in which the potential buyer’s hopes of getting approved for a loan are crushed due to their credit history.

But you do have options. Owner-financing cuts out the third party completely and allows the purchaser to work directly with the seller. Since there is no middle-man involved in this type of transaction, it can be a win-win scenario for both the buyer and the seller. 

Deals and transactions are able to be done faster from a seller’s point of view, while down payments can be much more flexible for the buyer.

At Santa Cruz Properties, we often emphasize our owner-financing services because we truly believe there shouldn’t be any barriers when it comes to purchasing property. We believe in people first, business second.

Responsibilities of Owning

While there are plenty of benefits of owning property, there is a lot of responsibility and potential maintenance that goes into owning land. For starters, even if you aren’t actively using or living on your land or lot, you are still responsible for paying the property taxes. Determining how much you will owe will be based on the city, zone, and county in which you live in. 

Another factor you will need to consider is whether or not you’ll be building any structures on your property. Not only will you need to be aware of the boundaries of your land so that you (and your neighbors) stay within the perimeter of your property, you’ll also need to consider cost, expenses, and taxes that may accrue as a result of constructing the building.    

Additionally, failing to properly maintain your lot can lead to fines or damages that can lead to your property losing value. Make sure to keep up with your property’s maintenance at all times. 

A Christmas Gift For You and Your Family

The holiday season is the perfect time to invest in property because of various benefits, including: 


  • Purchasing property before the year is out allows you to take full advantage of tax deductions while also building equity. Deduct property taxes, interest costs, and points on your loan on your 2019 taxes. 
  • Landlords generally increase payments at the beginning of the year; by purchasing property now you’ll be able to lock your mortgage in place. 
  • Start the new year on the right foot by investing in property you can call your own. Don’t spend 2020 throwing money into a home or property you’ll never own. Invest in property and see a return on your money. 

At Santa Cruz Properties, we pride ourselves in providing the Rio Grande Valley with some of the most beautiful properties you can find locally. Our Edinburg owner-financed lots are affordable and can range in sizes depending on what you’re looking for.

As the year is quickly winding down, this would be the perfect time to inquire about our available lots for sale.

Contact Santa Cruz Properties today at (956) 382-6490 to learn more about our owner-financed lots.

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