Option 1: Your IRA account

• Ideal for people who want to be more involved in managing their accounts
• Must be self-directed (we work with a local Alabama-based Qualified Custodian that has a lot of experience with rural land)
• Use debt from other sources to help with the purchase
• Buy a partial interest in a property (along with family or friends)
• Taxes are deferred
• Annual fees to the Qualified Custodian start at only $200

Option 2: The Federal Land Bank

• Borrow up to 80% of the purchase price of timberland, farm land or a rural residence
• Terms: variable or fixed rates up to 30 years
• A borrower-owned bank; your stock pays an annual dividend
• Pre-pay the loan with no penalty

Option 3: First South Farm Credit Bank

• Borrow up to 85% of the purchase price of timberland, farm land or a rural residence
• Terms: fixed rates up to 20 years
• A borrower-owned bank; your stock pays an annual dividend
• Pre-pay the loan with no penalty