Frequently Asked Questions

Yes. Owner financing (also called seller financing) is a well-established and perfectly legal way to purchase real estate. Steady Acre Co., LLC is a registered South Carolina company. Every transaction includes a proper purchase agreement, and you receive a Warranty Deed upon full payment. We encourage you to consult with your own attorney if you have any questions about the process.

No. We do not pull your credit report or require a minimum credit score. Our financing decisions are based on the property, the terms, and a straightforward conversation with you about your ability to make payments. We believe character matters more than a number.

There is no catch. Our business model is simple: we purchase land at a discount, then offer it to buyers at a fair market price with financing terms that make ownership accessible. We earn our return through the financing arrangement. The financed price is usually higher than the cash price, which is how we cover the time value of money and the convenience of not requiring a bank.

In most cases, yes — once the property has been paid in full. Each listing includes helpful details about zoning, road access, and available utilities so you can get a clearer picture of the property. We also encourage buyers to check with the local county planning and zoning department to confirm exactly what is allowed on a specific parcel. We are always glad to help point you in the right direction and provide the appropriate contact information.

We welcome cash offers. Every property listing includes both a cash price and a financed price. The cash price is always lower, reflecting the discount for a single, immediate payment.

Yes. Like all real property, vacant land is subject to annual property taxes assessed by the county. Tax amounts vary by location and are typically quite modest for vacant land. You are responsible for paying property taxes directly to the county while the land is under contract.

We handle closing costs on most transactions. Specific details are outlined in the purchase agreement for each property. There are no hidden fees or surprise charges at closing.

Absolutely. We encourage it. Every listing includes GPS coordinates and a map so you can locate the property easily. Most of our properties are in rural areas with road access, making site visits straightforward. We are happy to provide directions and any additional details you may need.

Closing is handled remotely for your convenience. You will receive a purchase agreement outlining all terms, make your down payment, and sign the necessary documents. For financed purchases, you begin making monthly payments according to the agreed schedule. For cash purchases, the Warranty Deed is recorded and delivered to you.

Yes, with our cooperation. If you wish to sell the property before it is fully paid off, contact us and we will work with you to find a solution — whether that is paying off the remaining balance from the sale proceeds or transferring the contract to the new buyer.

If you encounter difficulty, please reach out to us. We understand that life can be unpredictable, and we are willing to work with buyers who communicate openly. That said, repeated non-payment can result in default under the terms of the agreement. We always prefer a conversation over a consequence.

Yes. There is no prepayment penalty. You are free to pay off your remaining balance in full at any time without any additional charges.

Every property listing includes the parcel number, GPS coordinates, county information, and a map embed so you can verify the location yourself. You are also welcome to visit the property in person, check county tax records, or have a title search conducted. We are transparent about what you are buying.

For cash purchases, yes — you receive a recorded Warranty Deed at closing. For financed purchases, the property is held under a land contract (contract for deed) during the payment period. You receive the Warranty Deed after your final payment. Throughout the payment period, you have equitable interest in the property and can use it according to the terms of your agreement.

Interest rates and terms vary by property and are clearly stated on each listing. In many cases, we structure our financing with simple, predictable monthly payments rather than complex interest calculations. The total financed price and monthly payment are always displayed upfront so there are no surprises.