What if the buyer
stops paying?
Your land remains legally in your name until 100% of the payment is made. If the buyer defaults:
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The contract is canceled
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You recover the land
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You keep the down payment and the paid installments
And if you have to sell it again, the land has likely appreciated in value. This means you’ll be able to resell it at a higher price and possibly collect a larger down payment than the previous one.
What can you do with the note if you don't want to wait 10 years?
The note you created is an asset. It has value. If you prefer not to wait for the entire term, you can:
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Sell the note to another investor
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Use it as collateral for a loan
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Or even exchange it for another Cyberlot
Diversified Portfolio accepts notes as a partial payment method, as long as they meet the characteristics that we will clearly communicate to each reseller. You will have a detailed guide to ensure that your note is valid and accepted as if it were cash.
Rental income in dollars
without the hassle.
Most investors want a monthly income in dollars. But no one wants to deal with tenants, repairs, or headaches.
With this model, you get the benefits of rental income without the rental problems.
It's simple – It's profitable – It's yours.
the benefits of financing
✅ You receive passive monthly income
✅ Higher profitability than traditional rentals
✅ No remodeling, no renting, no management
✅ You maintain legal control of the land until the end
✅ You can resell faster thanks to financing
✅ You can reuse the note as an investment tool
Real example, step by step.
Imagine you buy a Cyberlot for $80,000 USD and decide to resell it with seller financing:
-
You list it for $105,000 USD
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A buyer gives you a 20% down payment → $21,000 USD
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You are left with a balance of $84,000 USD
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You sign a Land Contract, and a 10-year note is generated
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You set an annual interest rate of 10%
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Evergreen collects payments from the buyer, and you receive $1,112 USD monthly for 10 years
In total, you end up receiving more than $134,000 USD for land you purchased for $80,000 USD, plus the $21,000 you already received as a down payment.
What document is signed?
The contract used is called a Land Contract.
This legal document establishes that the buyer can use the land, but the title of ownership remains in your name until 100% of the debt is paid.
This provides you with total security and full control throughout the entire process.
Who is responsible for collecting payments from the buyer?
You don’t have to worry about collecting payments each month or following up. That's what Evergreen Servicing LLC is for, a specialized company that:
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Collects monthly payments from the buyer
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Transfers the money directly to your account
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Keeps track of payments and handles any legal management
This service costs only $15 USD per month, which is extremely low considering they handle everything for you. Thanks to Evergreen, your investment becomes completely passive.
What interest can you charge?
You decide the interest rate you will apply to your note. We recommend a fixed annual rate of 10%, which is very attractive.
In the United States, buyers are accustomed to paying rates of 12.99%, so offering 10% makes you more competitive and accelerates the sale.
You can adjust the rate if you wish, depending on the profile of the final buyer.
What is a promissory note?
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A 'promissory note' is a legal document that is created when you sell your land with seller financing.
This document outlines:
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How much the buyer owes you
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The fixed interest rate (usually 10%)
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How many years they have to pay you (typically 10 years)
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How much you should receive each month
Notes are common financial instruments in the United States and extremely popular for land sales.
In recent years, they have gained significant traction because they allow the buyer to acquire land by paying only a down payment, while the seller receives monthly payments with excellent profitability.
The note functions as a financial contract. It's as if you were the bank.
And most importantly: until the buyer finishes paying you, the land remains legally in your name.
How does Seller Financing work?
Turn your land into a more profitable investment
When you buy a Cyberlot, you can sell it for a profit. But if you want your investment to be even more profitable, you can sell it by offering seller financing.
This means you provide credit to the buyer yourself. Instead of paying you the full amount upfront, they pay in monthly installments over several years—and you earn attractive interest on that financing.
This way, you turn your land into a source of predictable, secure income in dollars, backed by real collateral: your own land.