Owner financed · no bank required
Land with 5% down in Texas Hill Country
31 owner-financed tracts, each with the actual 5% down payment and the estimated monthly at that tier, 30 years. No bank.
- open tracts
- 31
- starting price
- $225,315
- starting payment
- $1,323/mo
- Open tracts
- 31
- From
- $225,315
- Est. monthly
- from $1,323/mo
- Ranches
- 2
Where they are
Highlighted tracts are the ones that match this page.
By the numbers
Most tracts here are between $200,000 and $300,000.
- 5% down · $11,889 down · $1,966/mo at 9.9%
- 10% down · $23,778 down · $1,707/mo at 8.9%
- 15% down · $35,667 down · $1,554/mo at 8.5%
- 20% down · $47,556 down · $1,396/mo at 8%
$11,266 down · about $1,863/mo est.
$11,266 down · about $1,863/mo est.
$11,267 down · about $1,863/mo est.
$11,277 down · about $1,864/mo est.
$11,282 down · about $1,865/mo est.
$11,282 down · about $1,865/mo est.
$11,292 down · about $1,867/mo est.
$11,297 down · about $1,868/mo est.
$11,309 down · about $1,870/mo est.
$11,319 down · about $1,871/mo est.
$11,320 down · about $1,872/mo est.
$11,355 down · about $1,877/mo est.
$11,363 down · about $1,879/mo est.
$11,381 down · about $1,882/mo est.
$11,571 down · about $1,913/mo est.
$11,889 down · about $1,966/mo est.
$12,022 down · about $1,988/mo est.
$12,588 down · about $2,081/mo est.
$12,698 down · about $2,099/mo est.
$12,718 down · about $2,103/mo est.
$13,030 down · about $2,154/mo est.
$13,860 down · about $2,292/mo est.
$16,387 down · about $2,709/mo est.
$16,999 down · about $2,811/mo est.
$22,129 down · about $3,659/mo est.
$27,281 down · about $4,511/mo est.
$29,693 down · about $4,909/mo est.
$30,094 down · about $4,976/mo est.
$35,359 down · about $5,846/mo est.
$39,375 down · about $6,510/mo est.
$47,250 down · about $7,812/mo est.
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
- Do you owner-finance every tract?
- Yes. Guadalupe Ranch Co. finances every tract in-house with as little as 5% down and no bank. Pick a tract, choose your down payment, and the estimator on its page shows the payment before you call.
- Is the land surveyed with deeded access?
- Every tract is surveyed and sold with deeded access on graded ranch roads, so the acreage on the page is the acreage on the deed.
- How are the monthly estimates figured?
- Estimates use each tract's current terms or our table rate at 20% down over 30 years; taxes extra; final terms set at contract.
- Is 5% really the minimum?
- Yes. The rate follows the down payment tier, so 5% down carries a higher rate than 20% down; both are shown before you sign. The tract page's estimator lets you move the slider.
Estimate your payment
Your rate follows your down payment — and improves on tracts over $200k. These are our actual tiers.
Estimated monthly
$1,323
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 the next one
Tell us what you're after and a salesman will text you the tracts that fit, including the ones that list after today.