5 Simple Steps to Becoming a Landlord with Little Funds


The misconception that land investment is only for those with substantial resources is a myth that unfortunately hinders people from discovering the accessible avenues available to them.

Of course, we all know land investments holds the promise of long-term stability and financial growth but because of the misperception, We feel investment opportunities like this are only meant for the rich” but the truth is, even if you’re not in a strong financial position, there are smart strategies you can adopt to also become a landlord.

 You can ultimately become a landlord without having to drain your finances.

Now, let’s take a look at some effective approaches that do the work.

 Effective Approaches/Strategies for Becoming a Landlord with Little Capital

With these approaches, you will be able to make meaningful strides in land investment.


This should be your first approach!

Calm down. What does this even mean, right? I’ll break it down for you.

Undervalued properties are properties that are being sold at a price below what their actual market value suggests. 


Company A is selling land for a much lower price than other companies in the same area, probably because they just want to sell as fast as possible or because they haven’t realized the full potential of the location. 

Buying at that lower price means you’re buying undervalued land – one that could be worth much more in the future as the area develops. These properties are often overlooked or underestimated, presenting an opportunity for buyers to acquire them at a bargain, with the potential for future appreciation in value. 


As the area develops, the value of your land will appreciate significantly. You can even buy undervalued land, hold onto it for a period, and then sell it when its value appreciates. 


This one is very important!

So, don’t, because I said go for undercharged lands, you now want to start disturbing that realtor on your contact list that has always been spamming you with fliers of lands worth N200,000 per plot.

Haba! Relax, It’s not that deep.

After you might have gotten this undervalued land, it is very important that you look out for the future possibility of that area ever developing so your case won’t look like:

.. my dad who bought  2 plots of land sometime in 2009 or 2010, and of course, the land was relatively cheap, but he wasn’t able to do anything with the land because of the location. I kid you not, till this very moment, that area has still not developed. He tried selling the land, but no one was ready to buy because of the location. It’s a very different thing if maybe some minor development was going on there, but there wasn’t. At the end of the day, my Old Man lost his land to the so called “Omonile – LOCAL INEXPERIENCED REALTORS”

So basically, look for land with development potential. 

While raw land might have a lower initial cost, land with zoning that allows for future development can increase in value significantly. 

This strategy allows you to buy land at a lower price point and also allows you to benefit from its appreciation as the area develops.


You don’t need to invest in vast acres from the get-go. When you’re just getting into land investment, it’s often wise to begin with a property that suits your current financial situation.  Starting small allows you to dip your toes into the market without overextending yourself financially.

Additionally, consider diversifying your investments by exploring different locations and types of land, such as agricultural, residential, or commercial. 


You bought a piece of land on the outskirts of a developing town, and as the town expands, the value of the land increases. You saw this and sold the land. With the profit from that sale, you can invest in a larger piece of land in a different area or even a different type of land, such as agricultural land. 

This diversification not only allows you to become a landlord yet again but also allows you to spread your investment.


This is a strategic approach to land investment where you gradually develop and improve your property as your financial situation evolves. Instead of making a substantial upfront investment, you start small and make gradual enhancements to the land over time. 



You’ve purchased a piece of land, instead of feeling the pressure to immediately build your house or launch a project, take time to deliberate. You could clear the land firstly, plant some trees, or create a simple garden. As the years go by, you can add features like a small cabin, or even a workshop, depending on your needs and financial capabilities.

This strategy allows you to invest within your means while still making progress. It’s a way to steadily build equity in your land without straining your finances. Plus, you have the freedom to adjust your plans as your financial situation improves.



So, I saved the best for last. Let’s Go!

The good news about becoming a landlord with little or no funds is that it can be done through installment payment plans without the burden of immediate, large lump-sum payments. Flexible installment plans allow you to break down the overall cost of the land into manageable portions. 


You have this land you really want to buy because of all the great features and benefits attached to it, but you’re not financially able to buy it or pay uprightly. Flexible installment plans will allow you spread the cost of the land over time by breaking down the overall cost of the property into manageable portions.

This approach relieves you from the pressure of gathering a substantial amount upfront and offers the chance to plan your finances more effectively.

Benefits of Installment Payments

  • Affordability: The most obvious advantage of installment plans is that they make owning land affordable for a wider range of individuals. How? They do this by distributing payments across a period of time, so you can comfortably fit the expenses into your budget without feeling financially strained.
  • No Interest or Low Interest: This benefit depends on the agreement. Some installment plans come with little to no interest, saving you from the burden of accumulating debt through high-interest loans. Isn’t this interesting?
  • Stress-Free Budgeting: With installment payments, you know exactly how much you need to set aside each month, making it easier to manage your finances.

So How Exactly Does It Work?

Installment plans typically involve an initial down payment, followed by a series of equal payments spread across a specified timeframe. 

The total number of installments and the duration of the plan vary depending on the agreement between the buyer and the seller. 

This approach basically provides flexibility, allowing both parties to negotiate terms that align with their financial capabilities.

Essential Considerations

While installment plans offer an appealing path to owning land, there are a few key points to keep in mind:

  • Ensure that the terms and conditions of the installment plan are clearly outlined in a contract. This includes details about the payment schedule, any interest charges, and consequences of missed payments.
  • While installment plans are designed to be manageable, it’s essential to assess your financial stability and ensure that you can comfortably meet the payment commitments.
  • Work with reputable companies that have a history of honoring their agreements. This will help safeguard your investment and ensure a smooth transaction.


As you explore these strategic approaches to becoming a landlord with just little funds, there’s an even greater additional avenue for you to explore – our Back to School Promo! This promo is designed to align with your aspirations and financial strategies. Our astounding discount of up to 400,000 across our prestigious estates is a great strategy to key in and become a Landlord.


The interesting part of this Promo is that we’re extending a ₦300,000 voucher dedicated to your child’s education fees. LET’S HELP YOU PAY YOUR CHILD’S SCHOOL FEES. It’s our way of adding value that truly matters to your investment journey.

The promo will kickstart on 4th September, 2023 and ends on 17th September. So don’t miss this great opportunity.

Visit our website or our social handle for more information



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