Frequently Asked Questions
Everything you need to know about buying land with American Investment Properties.
Do I need a credit check or bank approval?
No. We finance every buyer ourselves, no bank, no credit check, no income verification. If you can make the down payment, you can own land.
How does the 
auction work?
Select properties are listed on as auctions. The winning bid is your down payment only, not the full purchase price. Winning the auction gives you the right to purchase the property through seller financing on the terms listed. We also offer a Buy it Now price at 10% off when purchasing outright without financing.
What financing terms are available?
We offer six standard terms: 1 year at 0% APR, 2 years at 3% APR, 3 years at 5% APR, 5 years at 10% APR, 7 years at 15% APR, and 10 years at 18% APR. Monthly payments are calculated from the full purchase price using standard amortization.
Is there a discount for paying cash or paying off early?
Yes, 10% off the purchase price for a full cash purchase, and 10% off the remaining balance if you pay off early at any time during your agreement.
When do I receive the deed?
A Grant Deed is prepared and recorded in your name upon receipt of your final payment. Title passes free and clear at that point.
Who pays closing costs?
The seller covers all closing costs including recording fees, documentary transfer taxes, and deed preparation. There are zero closing costs to the buyer.
Is the title free and clear?
Yes. We only sell properties with free and clear title. No liens, no mortgages, no encumbrances.
Can I visit the property before buying?
Absolutely, and we encourage it. All properties are sold as-is, where-is. GPS coordinates are included in every listing so you can locate and visit the land before bidding.
Can I build on the land?
There is no time limit to build imposed by us. However, local zoning, permitting, and utility requirements vary by county and city. The buyer is responsible for researching buildability, setbacks, and permitted uses with the applicable jurisdiction.
What payment methods do you accept?
Pay on the 1st of each month via 
, 
, 
, 
, cashier's check, or money order.
Is there a late fee?
A $15 late fee applies if payment is received after the 15th of the month.
What happens if I miss payments?
90 consecutive days without payment constitutes default. Upon default, all prior payments are forfeited and the buyer relinquishes all rights to the property. No court action is required. We encourage buyers to contact us early if they are having difficulty, as we prefer to work things out.
Am I responsible for property taxes during the agreement?
Yes. The buyer is responsible for property taxes and any HOA or POA dues for the full term of the agreement, even though the deed has not yet transferred. This is standard for seller-financed land contracts.
Are there HOA or POA fees?
It depends on the property. Each listing specifies whether HOA or POA dues apply and the amount. Some properties have none.