Land Notes For Sale
Looking to invest in real estate without owning physical property? Land notes offer a reliable way to generate passive income backed by real assets. We connect investors with carefully vetted performing land notes.
Whether you're new to note investing or expanding your portfolio, our inventory and guidance can help you reach your financial goals.
Our Investment Opportunity Process
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Choose Your Notes
Browse our available land notes and select the ones that fit your investment goals. Each listing includes key details like monthly payment amount, property location, borrower status, and term length.
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Submit Forms to Investor Liaison
Once you’ve selected your notes, you’ll complete a brief investor form. Our liaison will walk you through account setup, verify your information, and ensure all documents are prepared for closing.
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Close Through a Title Company
We close each transaction through a licensed title company. You’ll receive a Lender’s Policy and title insurance, giving you full protection and legal ownership of the note.
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View Your Notes and Receive Monthly Payments
After closing, you’ll be able to view your note details and payment history. Each month, you’ll receive principal and interest payments via ACH—no chasing or follow-up required.
Why Invest in Land Notes?
Land Notes are High Return Investment Opportunities
Land notes offer a unique way to generate consistent, passive income—often with returns that outperform traditional investments. When you purchase a land note, you step into the role of the lender, collecting monthly payments secured by real property. Unlike stocks or rental properties, land notes require no property management, no tenant issues, and minimal upkeep.
Each note is backed by a parcel of land and serviced by our in-house team, so you receive reliable monthly payments via ACH without chasing borrowers or managing paperwork. With fixed interest rates, clear terms, and the potential for double-digit annual returns, land notes provide a stable and straightforward path to long-term income.
Why Buy Land Notes Through Mountains West Ranches?
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All of our notes are backed by land purchases—no houses, no commercial buildings, just raw or recreational land.
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Every note includes a clear loan history, payment status, and copies of the original documents.
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With over three decades of experience, we’ve built a reputation for reliability and transparency in land financing. Our team understands the unique nature of land note investing and brings a long history of successful outcomes for investors.
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Our in-house servicing team handles all borrower communication, payment processing, and reporting. You don’t have to worry about chasing payments or managing paperwork—we take care of it all.
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Note investing offers strong passive income potential with little day-to-day involvement. Once you purchase a note, our team manages the rest, giving you more time and less hassle.
Benefits Of Investing in Land Notes
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Cash Flow
When you purchase a land note with Mountains West Ranches, you're stepping into the shoes of the lender and receiving monthly payments from the borrower directly into your bank account.
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Secured by Real Estate
Unlike stocks or unsecured investments, our first position trust deeds are secured by real property.
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High Returns and Minimal Work
Our rates are as high as 13.99% and our professional team handles all the work.
Land Notes FAQ’s
What happens if my Note defaults?
Our recourse agreement guarantees that we will replace the note if it defaults with one alike. The closing process is the same as when you purchase a note.
How do I receive payments and how often?
As soon as the funds have cleared our escrow account they are forwarded directly to your bank account via ACH, or a check by mail if you choose.
What do you charge for servicing and what does that fee include?
$15 per note per month
Services include:
Retention of all documents and records
Collection of payments
Assuring payments are made on time and getting them caught up if late.
Access of records through online system, MyNote
Transmission of payments via ACH or check by mail
Tracking reports that are sent out with each ACH
Year End tax reporting
About
How Our Notes Are Structured
We offer a range of performing land notes with clearly defined terms. Each note includes a fixed interest rate, monthly payment schedule, and is serviced by a dedicated loan team. Properties vary in size and location, but all are secured with a first lien position and clear documentation.
Locations
All of our properties are located in Utah, and we operate out of two physical locations under Mountains West Ranches located in Duchesne and Fruitland.
Who These Investments Are For
Land notes are a good fit for passive investors looking for steady cash flow, including individuals using self-directed IRAs or those seeking lower-risk real estate options. Whether you're experienced or new to note investing, our team helps you find a note that aligns with your income goals.
Our Clients
Land notes are a good fit for passive investors looking for steady cash flow, including individuals using self-directed IRAs or those seeking lower-risk real estate options. Whether you're experienced or new to note investing, our team helps you find a note that aligns with your income goals.
What You Need to Know About Mountains About Mountains West Ranches Land Notes
Mountains West Ranches has been selling property for 35 years and we sell a portion of our loans to be able to operate and grow our business. We guarantee your investment and will replace your loan if it defaults. Our loan servicing team has 5 people, is top tier and our fee is minimal at only $15 per month per loan.
Receive the money directly to your account each month and view the status on our online portal. We pride ourselves on taking good care of our investors as they help us to continue our amazing business that we are so passionate about.
Featured Land Notes For Sale
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4744-0013
This real estate-backed note is generating $620.22/month through October 2038 at 8% interest. Sold for $84,900 with a $20,000 down payment, the current balance is $60,767.02. A solid, long-term investment secured by land.
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Buck Horn Mesa 19-I
This land note brings in $708.97/month through September 2039 at a 9% interest rate. Originally sold for $84,900 with a $15,000 down payment, the remaining financed amount is $69,900. A strong, long-term investment secured by real property.
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4744-0013
Generating $620.22/month at 8% interest, this note runs through October 2038. Backed by a land sale of $84,900 with a $20,000 down payment, the current balance is $60,767.02. A reliable, secured investment with long-term cash flow.
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VVS-0029
This land note pays $674.24/month at 6% interest through March 2040. Sold for $159,900 with an $80,000 down payment, the financed amount is $79,900 with a current balance of $79,098.88. A low-risk, long-term investment secured by real estate.
