owner financed land
https://page-wiki.win/index.php/Why_an_Owner_Financed_Property_Might_Be_Your_Best_Path_to_Rural_Land
My uncle found a few acres of owner financed land last year, which meant he didn't need a bank loan or perfect credit. He just worked out monthly payments directly with the seller. It took some patience to find a fair deal, but now he's slowly building a small cabin there.