Owner financing is available on every Cosmos Legacy Holdings listing — flexible down payment, term, and rate, negotiated directly with us.
Browse the available properties. Every listing shows its price, acreage, and parcel number — verified against county records before it's posted.
On each listing page, set your down payment (0–50%), loan term (1–30 years), and interest rate. The calculator shows your monthly payment live — down payment, interest over the life of the loan, taxes, and total per month.
Send us your proposed terms through the inquiry form. Because we own the property, we can say yes to terms a bank never would — no credit check, no bank approval process.
You get a written diligence summary — title review against county records, boundary verification, flood-zone check — and we close with a quitclaim or special warranty deed. One point of contact, start to finish.
Example on a $16,500 lot with 20% down ($3,300), a 2-year term, and 7% interest: about $591/month. Longer terms mean smaller monthly payments — the calculator on the properties page lets you try any combination.
Terms are flexible and negotiated per property. The numbers above are an illustration from our calculator — your actual terms are whatever we agree on before closing.
We buy land directly from owners and sell directly to buyers. There's no broker commission, no assignment fee, and no lender markup built into the price — which is why we can offer flexible terms that make sense for both sides.
Every property is sold as-is via quitclaim or special warranty deed, and title status is stated plainly on every listing before you commit.
Open the calculator, or send us a request with your proposed terms.