🌟Land Loans Explained: Why the Down Payment & Rates are So High 🏡I get this question all the time — “Why does buying land require so much money down?” And the answer usually shocks people. In this short, I break down why land loans are considered high risk, and why banks protect themselves with higher down payments and higher interest rates. Here’s the reality: 🏞️ Land doesn’t produce income ⏳ It can sit on the market for a long time if a borrower defaults 📉 When banks resell land, it often