about the money. This is the financing portion of your land and development. We're going to talk

about institutional funding, seller financing, private lenders, and crowdfunding. Institutional

funding. This is where the slides get less cute with visuals, right? But it's a serious matter. Farmers.gov is a website that I want to

tell everybody to check out. You might not have any intention of farming, but with what's going on

with food sovereignty, being able to purchase land through the USDA and loan products

that are available, as well as being able to take advantage of any grants and different things

that are available with food sovereignty projects. it's a no-brainer.

Look into farmers.gov. That is a great resource when you are purchasing land.

Institutional funding is your typical funding. That's when you go to Wells Fargo, Bank of America,

Chase, or Citizens Trust Bank, Unity Bank.

And you say, I want to buy this piece of land.

I would like to build a home on it and I would like to sell it.

They've got the best rates, but it's the hardest to get. So you're going to need to speak to

multiple lenders and you're going to do best by starting with a bank that you already have a

relationship with. So this goes without saying before you try your hand at investing in any land, you should be credit worthy.

You should have an exceptional credit score.

You should have money and savings in the bank.

At least 25% of your disposable income should be saved in the bank before you start buying land and investing in this way. Yes, you can buy

affordable land at affordable prices, cash outright. And if that's the strategy you want to do,

by all means, do it. But if you're going to do a development project of scale, you're going to need

institutional funding and to get the best rates and to even be considered by a traditional lender,

you are going to need exceptional credit and experience that track record again. There's ways to get around it if you don't have a track record

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