A good portion of the available properties in this area are vacant land. If that's what you would be shopping for, usually there are only 2 options: Cash or Seller Finance. Many sellers have either acquired the property through the death of a family member or have just owned it so long and have no plans to develop it. Most of those will want cash for the sale. But, more and more sellers are opting to be the bank and finance the buyer to sell it faster. Most of the seller financed sales I've seen the past couple of years have required a minimum of 20% cash down payment, but its still a good way to minimize your out of pocket costs and still be able to acquire cheap land while it's still cheap.