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Acreage & Development Funding

Raw Land & Development Financing for Real Estate Investors

Flexible asset-based financing for raw land acquisition, development, and refinance transactions. IRF provides nationwide funding solutions with no income documentation, no minimum credit score requirement, and a streamlined approval process designed for serious land investors and developers.

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  • No Minimum Credit Score Required
  • No Income Docs Required
  • No Credit Pull Required

Unimproved Acreage Strategies

Understanding Raw Land Financing

Raw land financing is designed for real estate investors, developers, and landowners who need capital to acquire, refinance, or hold land before development begins. Whether you are purchasing a new parcel, refinancing an existing property, or preparing a site for future construction, this program provides flexible financing solutions based primarily on the value of the land.

Many development projects require time before construction can begin. Borrowers often need to secure zoning changes, obtain entitlements, complete due diligence, or arrange long-term construction financing. Raw land financing provides the flexibility to move forward with these steps while maintaining control of the property.

This program is ideal for borrowers seeking funding for acquisition, development planning, or refinance cash-out opportunities. With nationwide availability, no income documentation requirements, and no minimum credit score, IRF helps investors and developers position their projects for future growth and success.

Financing At a Glance

See the key terms and highlights of our Raw Land Financing program before reviewing the detailed requirements below.

$1M–$50M

Loan Amounts

Up to 50%

Maximum LTV

Up to 3 Years

Loan Term

14%–16%

Interest Rates

No Prepayment

Flexible Exit

No Income Doc

Simplified Qualification

Acreage Options

What This Program Covers

This financing program supports a wide range of raw land investment and development opportunities across multiple project structures.

Raw & Unimproved Land

Subdivision Development

Land Acquisition Financing

Land Development Projects

Refinance Transactions

Cash-Out Refinance Opportunities

Financial Structuring

Seller Held Financing

Seller held financing and second mortgage financing may be allowed for many raw land transactions, providing additional flexibility when structuring a purchase. This can help investors and developers reduce upfront capital requirements while securing the land needed for future development.

For purchase transactions, borrowers are generally required to contribute a minimum down payment of 10%–20%, depending on the details of the transaction, property characteristics, and overall financing structure.

All transactions are reviewed individually to determine eligibility and final financing terms.

Compliance

General Eligibility Guidelines

Please review the guidelines below to better understand the requirements for Raw Land Financing. Click on any section to view additional details.

Seasoning on Title
For refinance transactions, the borrower must have held title to the property for a minimum of 12 months prior to closing.
Title Vesting Requirements
All transactions must close in the name of a business entity. Eligible entities include:

LLC (Limited Liability Company)
S-Corporation
C-Corporation
Due Diligence Requirements
The following due diligence items may be required depending on the property and transaction:

Phase I Environmental Report
Phase II Environmental Report (if required based on Phase I findings)
Property Survey updated within the last 18 months
Full Property Appraisal
Clear and Marketable Title
Loan Commitment Fee
A loan commitment fee applies to all commercial financing transactions. The exact fee is determined after a full review of the transaction details and will be quoted once the preliminary underwriting review is completed.
Required Documents
The following documents are typically required for underwriting review:

Government-issued photo ID for all members of the business entity
IRS EIN Letter
Articles of Incorporation or Organization
Operating Agreement or Corporate Bylaws
Certificate of Good Standing (if applicable)
Purchase Contract or Proof of Ownership
Current Mortgage Statement (for refinance transactions)
Property Insurance Information (if applicable)

our footprint

States We Fund In

Not all loan products are available in each state

Knowledge Center

Frequently Asked Questions

1. What is Raw Land Financing?
Raw Land Financing is a funding solution for investors and developers purchasing, refinancing, or holding land before construction begins. It can be used for a variety of land investment and development opportunities nationwide.
2. What is the minimum loan amount?
Loan amounts typically range from $1,000,000 to $50,000,000, depending on the property, project scope, and financing structure.
3. What is the maximum Loan-to-Value (LTV)?onals apply for No Doc financing?
IRF may provide financing of up to 50% of the property's value, subject to underwriting review and due diligence requirements.
4. Do first-time borrowers qualify?
Yes. First-time borrowers may qualify. Each transaction is reviewed individually based on the property, project plan, and overall strength of the deal rather than personal income alone.
5. How does the loan commitment fee work?
A loan commitment fee applies to commercial financing transactions. The exact amount is determined after a review of the transaction details and will be provided before moving forward with the loan process.
6. What due diligence is required?
Depending on the property and transaction, due diligence may include a Phase I Environmental Report, property survey, full appraisal, title review, and other supporting documentation required for underwriting approval.
7. How long does the financing process take?
Timeframes vary based on the complexity of the transaction and how quickly due diligence items are completed. Most transactions move forward once all required reports, documentation, and underwriting conditions have been satisfied.
8. Is personal income verification required?
No. This is an asset-based financing program, which means the transaction is primarily evaluated based on the property and project rather than personal income verification.

Ready to Move Forward?

Get fast access to flexible raw land financing for acquisition, refinance, and development opportunities nationwide.

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