Jason Casco | IBC for Land Investors
@jasoncasco.bsky.social
IBC Practitioner for Land Investors | Turn dead capital into profit | Free 4-Min Dead Capital Audit: jasoncasco.com/dead-capital-audit
2025 seller financing data: land notes averaged $286,178 at 73% LTV, residential $272,856 at 76%.
Bigger note, less leverage. The land seller carries more of the deal and waits longer to see it.
A seller financed exit turns a closed sale into a decade of receivables.
Bigger note, less leverage. The land seller carries more of the deal and waits longer to see it.
A seller financed exit turns a closed sale into a decade of receivables.
September 21, 2026 at 9:30 PM
2025 seller financing data: land notes averaged $286,178 at 73% LTV, residential $272,856 at 76%.
Bigger note, less leverage. The land seller carries more of the deal and waits longer to see it.
A seller financed exit turns a closed sale into a decade of receivables.
Bigger note, less leverage. The land seller carries more of the deal and waits longer to see it.
A seller financed exit turns a closed sale into a decade of receivables.
The most misunderstood thing about infinite banking is that people hear it as a product. It is a process.
You finance everything you buy. Borrow and you pay interest out. Pay cash and you give up the interest that money could have earned.
The question is who runs that function.
You finance everything you buy. Borrow and you pay interest out. Pay cash and you give up the interest that money could have earned.
The question is who runs that function.
September 20, 2026 at 9:30 PM
The most misunderstood thing about infinite banking is that people hear it as a product. It is a process.
You finance everything you buy. Borrow and you pay interest out. Pay cash and you give up the interest that money could have earned.
The question is who runs that function.
You finance everything you buy. Borrow and you pay interest out. Pay cash and you give up the interest that money could have earned.
The question is who runs that function.
Most of this work is a truck, a county road, and a morning you were not sure was worth spending.
The deals you pass on are the ones that pay for the deals you take.
The deals you pass on are the ones that pay for the deals you take.
September 20, 2026 at 8:02 PM
Most of this work is a truck, a county road, and a morning you were not sure was worth spending.
The deals you pass on are the ones that pay for the deals you take.
The deals you pass on are the ones that pay for the deals you take.
Drive by checklist, in order:
Where the road actually ends.
Whether the fence line matches the plat line.
What the neighbors are doing with theirs.
Where the water goes in a hard rain.
None of it replaces title and survey. All of it changes the number I write.
Where the road actually ends.
Whether the fence line matches the plat line.
What the neighbors are doing with theirs.
Where the water goes in a hard rain.
None of it replaces title and survey. All of it changes the number I write.
September 19, 2026 at 9:30 PM
Drive by checklist, in order:
Where the road actually ends.
Whether the fence line matches the plat line.
What the neighbors are doing with theirs.
Where the water goes in a hard rain.
None of it replaces title and survey. All of it changes the number I write.
Where the road actually ends.
Whether the fence line matches the plat line.
What the neighbors are doing with theirs.
Where the water goes in a hard rain.
None of it replaces title and survey. All of it changes the number I write.
A reserve a land business closes against cannot be a projection.
The value of the pool is not the number on the statement. It is knowing the number is there on the Tuesday a seller finally says yes.
A design that only works if every year goes to plan is a schedule, not a reserve.
The value of the pool is not the number on the statement. It is knowing the number is there on the Tuesday a seller finally says yes.
A design that only works if every year goes to plan is a schedule, not a reserve.
September 18, 2026 at 9:30 PM
A reserve a land business closes against cannot be a projection.
The value of the pool is not the number on the statement. It is knowing the number is there on the Tuesday a seller finally says yes.
A design that only works if every year goes to plan is a schedule, not a reserve.
The value of the pool is not the number on the statement. It is knowing the number is there on the Tuesday a seller finally says yes.
A design that only works if every year goes to plan is a schedule, not a reserve.
"There is a road" is a physical fact. "There is access" is a legal one.
A proposed easement is not an easement. Public and maintained are different words. Deeded access that stops at the neighbor's back line is a very good looking dead end.
Read the title commitment first.
A proposed easement is not an easement. Public and maintained are different words. Deeded access that stops at the neighbor's back line is a very good looking dead end.
Read the title commitment first.
September 17, 2026 at 9:30 PM
"There is a road" is a physical fact. "There is access" is a legal one.
A proposed easement is not an easement. Public and maintained are different words. Deeded access that stops at the neighbor's back line is a very good looking dead end.
Read the title commitment first.
A proposed easement is not an easement. Public and maintained are different words. Deeded access that stops at the neighbor's back line is a very good looking dead end.
Read the title commitment first.
Open ground with scattered cover is easy to photograph and hard to price.
Grazing value, recreational value and future lot value point at three different buyers, and they rarely agree on a number.
Decide who you are selling to before you decide what it is worth.
Grazing value, recreational value and future lot value point at three different buyers, and they rarely agree on a number.
Decide who you are selling to before you decide what it is worth.
September 17, 2026 at 8:01 PM
Open ground with scattered cover is easy to photograph and hard to price.
Grazing value, recreational value and future lot value point at three different buyers, and they rarely agree on a number.
Decide who you are selling to before you decide what it is worth.
Grazing value, recreational value and future lot value point at three different buyers, and they rarely agree on a number.
Decide who you are selling to before you decide what it is worth.
From the 2025 seller financing data: 86% of sellers who carried a note carried exactly one, ever.
It gets discussed like a repeatable strategy. For almost everyone it is a single transaction.
The edge is not being smarter. It is being set up to do it twice.
It gets discussed like a repeatable strategy. For almost everyone it is a single transaction.
The edge is not being smarter. It is being set up to do it twice.
September 16, 2026 at 9:30 PM
From the 2025 seller financing data: 86% of sellers who carried a note carried exactly one, ever.
It gets discussed like a repeatable strategy. For almost everyone it is a single transaction.
The edge is not being smarter. It is being set up to do it twice.
It gets discussed like a repeatable strategy. For almost everyone it is a single transaction.
The edge is not being smarter. It is being set up to do it twice.
Land loans are harder than house loans for a structural reason, not a bias one.
No income, nothing to insure, no agency buyer for the paper, thin resale.
The lender prices what it cannot liquidate fast. Big down, short term, balloon.
So land moves on cash and seller notes.
No income, nothing to insure, no agency buyer for the paper, thin resale.
The lender prices what it cannot liquidate fast. Big down, short term, balloon.
So land moves on cash and seller notes.
September 15, 2026 at 9:30 PM
Land loans are harder than house loans for a structural reason, not a bias one.
No income, nothing to insure, no agency buyer for the paper, thin resale.
The lender prices what it cannot liquidate fast. Big down, short term, balloon.
So land moves on cash and seller notes.
No income, nothing to insure, no agency buyer for the paper, thin resale.
The lender prices what it cannot liquidate fast. Big down, short term, balloon.
So land moves on cash and seller notes.
If you are waiting until you have enough to think about where your capital lives, you have it backwards. The habit builds the enough. Operators who control the banking function early do it with small dollars first. The structure matters more than the size at the start.
September 13, 2026 at 1:30 PM
If you are waiting until you have enough to think about where your capital lives, you have it backwards. The habit builds the enough. Operators who control the banking function early do it with small dollars first. The structure matters more than the size at the start.
The snowball only works if you let it keep rolling. Pull capital out to chase something shiny and you reset it to zero. Keep it circulating from deal to note income to store of capital to the next deal and the thing builds on itself.
September 12, 2026 at 1:30 PM
The snowball only works if you let it keep rolling. Pull capital out to chase something shiny and you reset it to zero. Keep it circulating from deal to note income to store of capital to the next deal and the thing builds on itself.
The market spends thirty years teaching you to pile money up and then hands you no plan for pulling it out. Land plus a store of capital flips that. You deploy and recapture on your own schedule instead of a withdrawal rule somebody else wrote.
September 11, 2026 at 1:30 PM
The market spends thirty years teaching you to pile money up and then hands you no plan for pulling it out. Land plus a store of capital flips that. You deploy and recapture on your own schedule instead of a withdrawal rule somebody else wrote.
One good land deal really can change a year. Not because it is magic, because it is repeatable. Run the numbers, make the offers, survive the no's, and the skill compounds. The first one is the hardest and the least profitable. That is the tuition. Pay it.
September 10, 2026 at 1:30 PM
One good land deal really can change a year. Not because it is magic, because it is repeatable. Run the numbers, make the offers, survive the no's, and the skill compounds. The first one is the hardest and the least profitable. That is the tuition. Pay it.
No channel is dead. Texting, calling, mailers, ads, all of it is working for somebody right now. The dead thing is running a channel that does not fit your scale or your cost per lead. Does it work is the lazy question. Does it work for me is the one that pays.
September 9, 2026 at 1:30 PM
No channel is dead. Texting, calling, mailers, ads, all of it is working for somebody right now. The dead thing is running a channel that does not fit your scale or your cost per lead. Does it work is the lazy question. Does it work for me is the one that pays.
You give up the asset at the end of every flip. Cash in hand, deal over, back to hunting. Carrying paper changes the ending. The deal keeps paying while you work the next one. Flipping builds income. Notes build a machine.
September 8, 2026 at 1:30 PM
You give up the asset at the end of every flip. Cash in hand, deal over, back to hunting. Carrying paper changes the ending. The deal keeps paying while you work the next one. Flipping builds income. Notes build a machine.
Independence from the approval line is worth more than a slightly better rate. A cheap loan you cannot get in time funds zero deals. Capital you can move on your own schedule funds the ones nobody else was ready for.
September 7, 2026 at 1:30 PM
Independence from the approval line is worth more than a slightly better rate. A cheap loan you cannot get in time funds zero deals. Capital you can move on your own schedule funds the ones nobody else was ready for.
Think in quarters, not deals. A single close is a moment. A quarter is a rhythm. When capital has a job in every season instead of only on closing day, the slow weeks stop feeling like failure and start being part of the plan.
September 6, 2026 at 1:30 PM
Think in quarters, not deals. A single close is a moment. A quarter is a rhythm. When capital has a job in every season instead of only on closing day, the slow weeks stop feeling like failure and start being part of the plan.
Half the objections to infinite banking are objections to the marketing, not the mechanics. Strip the hype and you are left with a plain idea. Control the flow of your own capital so it works while it waits. Hard to argue with once the noise is gone.
September 5, 2026 at 1:30 PM
Half the objections to infinite banking are objections to the marketing, not the mechanics. Strip the hype and you are left with a plain idea. Control the flow of your own capital so it works while it waits. Hard to argue with once the noise is gone.
Becoming your own banker is not a chartered bank and it is not exotic. It is running the banking function of your own money. Where it sits, what it earns while it waits, when it deploys. Refusing to hand that function to someone else for free.
September 4, 2026 at 1:30 PM
Becoming your own banker is not a chartered bank and it is not exotic. It is running the banking function of your own money. Where it sits, what it earns while it waits, when it deploys. Refusing to hand that function to someone else for free.
Store capital first, then deploy. That reorder changes everything. Most people deploy out of a checking account and let the remainder idle. Flip it so money lands in a store that compounds and then flows into deals. Same dollars, no dead time in the middle.
September 3, 2026 at 1:30 PM
Store capital first, then deploy. That reorder changes everything. Most people deploy out of a checking account and let the remainder idle. Flip it so money lands in a store that compounds and then flows into deals. Same dollars, no dead time in the middle.
You finance everything you buy, including the cash deals. Pay a lender and you hand over interest. Pay cash and you give up the interest that money could have earned somewhere productive. There is no free version, only a choice about who ends up with it.
September 2, 2026 at 1:30 PM
You finance everything you buy, including the cash deals. Pay a lender and you hand over interest. Pay cash and you give up the interest that money could have earned somewhere productive. There is no free version, only a choice about who ends up with it.
Dry powder is not a mood. It is a position. Either the capital is sitting ready before the deal shows up or it is not. Good deals arrive unannounced, which is exactly why you cannot assemble the money after you find them.
September 1, 2026 at 1:30 PM
Dry powder is not a mood. It is a position. Either the capital is sitting ready before the deal shows up or it is not. Good deals arrive unannounced, which is exactly why you cannot assemble the money after you find them.
Your capital has two jobs and most operators only pay it for one. Deploying into deals is the job everyone sees. Waiting is the other one, and waiting is where the money sits earning nothing. The gap between deals is not neutral. It has a price.
August 31, 2026 at 1:30 PM
Your capital has two jobs and most operators only pay it for one. Deploying into deals is the job everyone sees. Waiting is the other one, and waiting is where the money sits earning nothing. The gap between deals is not neutral. It has a price.
Canopy to the horizon, with town barely visible at the edge. That line between the cover and the rooftops is the path of growth. Buying just ahead of it is the whole game in a lot of markets.
August 12, 2026 at 8:01 PM
Canopy to the horizon, with town barely visible at the edge. That line between the cover and the rooftops is the path of growth. Buying just ahead of it is the whole game in a lot of markets.
Live water changes everything about a parcel. Access, usability, price, buyer pool, all of it. When a creek shows up in listing photos, my first question is whether it runs year round or only after storms. The answer moves the price more than most people think.
August 11, 2026 at 8:01 PM
Live water changes everything about a parcel. Access, usability, price, buyer pool, all of it. When a creek shows up in listing photos, my first question is whether it runs year round or only after storms. The answer moves the price more than most people think.