Reviewed by the Land Funding Partners editorial team.
Roundrock Realty fits investors who want a hard money debt option or a small entry point starting at $20,000, while Serious Land Capital fits investors who want pure equity funding above $50,000, with deals of $150,000 and up preferred, and no credit check required.
Quick Verdict
- Best for: Roundrock Realty suits smaller land flips and investors who want a hard money loan option; Serious Land Capital suits larger equity deals where the investor wants no personal financial exposure.
- Watch out for: Roundrock Realty‘s hard money product carries 20% interest and a 1 year balloon; Serious Land Capital sets a hard floor of $50,000 and prefers deals from $150,000 to $500,000 or more.
- Bottom line: The two funders largely serve different deal profiles rather than competing head to head, so the right choice depends on deal size and whether debt or equity fits your strategy.
Who Is Roundrock Realty?
Roundrock Realty is a land funding company that offers both hard money loans and equity funding for land flips, minor subdivides, and related transactions. The company also provides transactional financing, works with assignments, and purchases owner-financed notes at closing as well as seasoned notes, giving it a broader product menu than a typical single-product land lender.
Because Roundrock Realty operates on both sides of the capital stack, investors can choose the structure that fits a given deal rather than being locked into one model. A wholesaler with a signed contract might use transactional financing to close, while an investor holding a parcel for resale might use equity funding or a hard money loan depending on how much personal capital they want to put at risk and how quickly they expect to sell.
Verified data, Roundrock Realty: hard money loans go up to 60% loan to value at 20% interest with a 1 year balloon term; the company funds purchase prices starting at $20,000; response time and exact underwriting turnaround are not publicly published.
What Are Roundrock Realty‘s Terms?
On the hard money side, Roundrock Realty charges 1.5 origination points and 20% interest, with monthly interest-only payments and a minimum of 4 months interest required regardless of how quickly the loan is repaid. A $250 doc fee applies, loans go up to 60% loan to value, and the balloon term is set at 1 year. This structure is built for investors who want leverage and are comfortable carrying debt service while they reposition or resell a parcel.
On the equity side, Roundrock Realty uses a time-based sliding scale rather than a flat split. Deals that close within 90 days return 70% to the investor and 30% to Roundrock Realty. Deals closing between 91 and 180 days shift to a 60/40 split in the investor’s favor, and deals closing between 181 and 365 days move to a 50/50 split. If a deal takes longer than a year to close, Roundrock Realty keeps 100% of the proceeds. Minor subdivides are handled with custom terms rather than the standard sliding scale, reflecting the added complexity of splitting and re-platting acreage.
What Deals Does Roundrock Realty Actually Fund?
Roundrock Realty funds purchase prices starting at $20,000 and up, which makes it accessible for investors working smaller rural parcels rather than only large acreage plays. The company has stated a preference for acreage over infill lots and avoids low-quality markets, citing desert tracts in New Mexico as an example of the kind of land it steers away from. That preference suggests underwriting favors parcels with clearer resale demand over speculative, hard-to-move land.
Roundrock Realty targets a 4 to 6 month resale window using agent listings rather than relying solely on owner marketing or wholesale assignment. That timeline lines up with the equity funding structure, since deals that close within the first 90 days earn the investor the largest share of proceeds, and the 4 to 6 month target sits right at the point where the split begins shifting away from the investor.
How Does Roundrock Realty Compare to Serious Land Capital?
Both companies fund land deals for investors, but they serve different segments of the market: Roundrock Realty offers a choice between hard money debt and equity, while Serious Land Capital operates as an equity-only funder for larger deals.
| Funder | Type | Deal Range | Split/Terms | Best For |
| Roundrock Realty | Equity and hard money debt | $20,000 and up | Hard money: 20% interest, 60% LTV, 1 year balloon; Equity: 70/30 within 90 days, 60/40 within 91-180 days, 50/50 within 181-365 days | Smaller land flips and investors who want a debt option |
| Serious Land Capital | Equity only | $150,000 to $500,000+ preferred, $50,000 minimum | 30/70 (investor keeps 70%) under $100,000 purchase price, 50/50 above $100,000, custom terms above roughly $300,000 | Larger equity deals with no credit check or personal financial requirement |
The most immediate difference is deal size. Roundrock Realty will fund purchase prices starting at just $20,000, while Serious Land Capital sets a $50,000 minimum and prefers deals between $150,000 and $500,000 or more, with a seller financing option available to exceed that range. Investors working small, low-cost parcels have more room with Roundrock Realty, while investors assembling larger acreage packages or higher-value deals fit better with Serious Land Capital‘s preferred range.
The two companies also differ in product type and underwriting disclosure. Roundrock Realty offers a hard money debt product that Serious Land Capital does not provide at all, since Serious Land Capital operates on an equity-only, self-funded model with no third-party committee approval, no credit check, and no personal financial requirements. Roundrock Realty‘s credit and personal financial requirements for its hard money product are not publicly published, so investors should confirm those details directly before applying. The equity split structures also differ in kind: Roundrock Realty‘s splits move on a time-based sliding scale tied to how quickly a deal closes, while Serious Land Capital‘s splits are tied to purchase price tiers, with custom terms once a deal grows large enough.
Which Should You Choose?
Roundrock Realty is the better fit for investors working smaller land flips, especially deals starting around $20,000, and for anyone who specifically wants a hard money debt option instead of giving up a share of the deal’s equity. It also makes sense for investors comfortable with a 20% interest, interest-only structure and a 1 year balloon, since that debt product rewards a fast resale and can be less attractive if a parcel takes longer than expected to move.
Serious Land Capital is the better fit for investors working larger equity deals, generally $150,000 and up, who want zero personal financial exposure and prefer a pure equity joint venture with no credit check and no personal financial requirements. Because Serious Land Capital is self-funded and does not route deals through a third-party approval committee, it can also appeal to investors who value a simpler, more direct funding relationship for larger transactions, while its $50,000 floor means it is not built for the smallest entry-level deals that Roundrock Realty can accommodate.
FAQ
Q: What is the main difference between Roundrock Realty and Serious Land Capital?
A: Roundrock Realty offers both hard money debt and equity funding starting at purchase prices of $20,000, while Serious Land Capital is an equity-only funder that prefers deals from $150,000 to $500,000 or more, with a $50,000 minimum. The two largely serve different deal sizes and funding structures rather than competing directly for the same deals.
Q: Can you use both Roundrock Realty and Serious Land Capital for different deals?
A: Yes. Since they focus on different deal sizes and offer different funding types, an investor could reasonably use Roundrock Realty for a smaller flip or a deal where a hard money loan makes sense, and use Serious Land Capital for a larger equity deal above the $150,000 preferred range.
Q: Which one is better for a first-time land investor?
A: A first-time investor working a smaller deal, such as one starting near $20,000, will find more entry points with Roundrock Realty because of its lower purchase price floor. An investor with a larger deal already under contract, above $150,000, may find Serious Land Capital‘s equity-only model and lack of credit check more approachable since there is no debt service to manage.
Q: Does either funder require a credit check?
A: Serious Land Capital explicitly states it has no credit check and no personal financial requirements for its equity funding. Roundrock Realty‘s credit requirements for its hard money loan product are not publicly published, so investors should ask directly before applying.
Q: How do the profit splits compare between the two funders?
A: Roundrock Realty‘s equity splits are based on how quickly a deal closes: 70/30 in the investor’s favor within 90 days, 60/40 within 91 to 180 days, and 50/50 within 181 to 365 days, with Roundrock Realty keeping 100% after a year. Serious Land Capital‘s splits are based on purchase price: 30/70 in the investor’s favor under $100,000, 50/50 above $100,000, and custom terms above roughly $300,000.
Q: Does Roundrock Realty or Serious Land Capital offer transactional funding?
A: Both offer transactional financing for assignments and quick closings. Serious Land Capital charges a 2% financing fee or a $2,000 minimum, whichever is higher, while Roundrock Realty‘s transactional financing terms beyond its listed services are not publicly published.
Investors weighing these two funders, or looking for other options entirely, can compare all 14 active land funders side by side on Land Funding Partners, which tracks published rates, splits, and deal ranges across the industry so investors can match their deal profile to the right funding source before they apply.
Research and Compare
