Owner financed · no bank required
Land to build a home, barndominium or cabin on in Texas Hill Country
31 owner-financed tracts on ranches whose deed restrictions allow a site-built home. Each ranch card says what else is allowed: manufactured homes, RVs for weekends, and any minimum size. As little as 5% down, 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%
What each ranch allows
From the deed restrictions. The restrictions page has the exact wording, and it governs.
- High Ten Ranch
site-built home: yes · manufactured home: yes · RV for weekends: no · minimum 1,200 sq ft
Read the restrictions - Walnut Creek Ranch
site-built home: yes · manufactured home: no · RV for weekends: no · minimum 1,200 sq ft
Read the restrictions
about $1,323/mo est.
about $1,323/mo est.
about $1,323/mo est.
about $1,324/mo est.
about $1,324/mo est.
about $1,324/mo est.
about $1,326/mo est.
about $1,326/mo est.
about $1,328/mo est.
about $1,329/mo est.
about $1,329/mo est.
about $1,333/mo est.
about $1,334/mo est.
about $1,336/mo est.
about $1,358/mo est.
about $1,396/mo est.
about $1,411/mo est.
about $1,478/mo est.
about $1,491/mo est.
about $1,493/mo est.
about $1,530/mo est.
about $1,627/mo est.
about $1,924/mo est.
about $1,996/mo est.
about $2,598/mo est.
about $3,203/mo est.
about $3,486/mo est.
about $3,533/mo est.
about $4,151/mo est.
about $4,623/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.
- Can I put a barndominium on it?
- On most ranches yes, as a site-built residence; some ask that metal be painted or the design pass a building board. The ranch's restrictions page has the exact wording and it governs.
- Can I live in an RV while I build?
- Ranches marked "RV for weekends: yes" allow temporary RV use with a permitted septic connection; "no" means the covenants bar RVs as a residence. Never assume from another ranch's rules.
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.