Owner financed · no bank required
Texas Land Under $500 a Month
38 surveyed tracts you can own for an estimated payment under $500 a month — financed directly by us, with deeded access and light restrictions. Payments shown are estimates from each tract's current terms (default 10% down, 9.5%, 30 years); taxes and fees are extra.
The Ranch Enterprises family
Selling Texas land for over 25 years
Guadalupe Ranch Co. is part of the Ranch Enterprises family — surveyed tracts, deeded access, and owner financing serviced in-house. We're the seller and the lender, not a broker handing you off to a bank.
- 25+ yrs
- Selling Texas land
- 320,000+
- Acres sold · TX, CO & NM
- 5,000+
- Tracts financed in-house
- 20+
- Texas counties
Frequently asked
- Is the monthly payment really under $500?
- The payments shown are estimates from each tract's current owner-financing terms (or our standard terms when a tract doesn't list its own). Taxes and any maintenance assessments are extra, and final terms are set at contract — call us and we'll quote the exact payment on any lot.
- Do you check credit?
- We finance the land ourselves, so there's no bank and no lengthy loan approval. Call us to talk through terms on the tract you want.
- What's the down payment?
- It varies by tract — each lot page lists its current terms, and the estimator lets you size the payment at different down payments.
Want to see everything we have? Browse the full inventory or read how owner financing works.
Estimate your payment
Your rate follows your down payment — and improves on tracts over $200k. These are our actual tiers.
Estimated monthly
$328
Estimate only — excludes taxes, fees, and maintenance assessments. Actual financing terms are set at contract. Call (830)-307-7533 for current owner finance terms.
Get first shot at low-payment tracts
Tell us your target payment and we'll reach out when a tract fits it.