Need Advice: Creative Financing for $100K Land Purchase

[Sara Donohue]

I’m determined to buy in an area I love for a second home or a buy-and-hold investment for my kiddos one day. There are a couple of $100K lots available, and I’m trying to think of alllll of the possibilities. I have $25K cash for a down payment and can add $20K/year ($1,600/month) toward payments.

No W2s, I've looked into building a small home right away and using a bank statements loan (have about 8800. monthly income) , but with 9%+ interest rates, it’s beyond my budget.

Is there any sort of creative financing ideas possible or private lender possibilities? Would love any insights!