Raw land investing has gained momentum as investors look beyond traditional stocks, bonds, and rental properties for long-term growth and portfolio diversification. 

 

Why Raw Land Investing Matters

Raw land refers to undeveloped property with no buildings or permanent improvements, such as vacant lots, farmland, or acreage held for future development. Unlike income-producing real estate, raw land typically does not generate immediate cash flow. Instead, investors rely on long-term appreciation driven by population growth, infrastructure expansion, zoning changes, or agricultural demand.

Key reasons investors consider raw land include:

• Portfolio diversification outside of public markets
• Inflation hedging through tangible assets
• Limited supply and long-term appreciation potential
• Lower maintenance compared to developed real estate

Because raw land is generally a long-term and illiquid investment, it’s best suited for patient investors with a higher risk tolerance.

Top Raw Land Investing Platforms (No Particular Order)

The following platforms were selected based on a review of their fees, reputation, offerings, performance history, and investor requirements. This list is not ranked.

AcreTrader: Fractional Farmland Investing

AcreTrader specializes in fractional ownership of U.S. farmland. Investors purchase shares in farmland entities and may benefit from land appreciation and lease income from farm operators. The platform focuses on institutional-quality farmland and conducts extensive due diligence before listing properties.

• Best for: Accredited investors seeking farmland exposure
• Minimum investment: Typically $10,000–$25,000
• Key consideration: Long-term holding periods and limited liquidity

FarmTogether: Sustainable Farmland Investments

FarmTogether offers fractional ownership and fund-based investments in professionally managed farmland. The platform emphasizes sustainability and long-term appreciation, with some opportunities generating annual lease income.

• Best for: Accredited investors focused on long-term diversification
• Minimum investment: Often $15,000 or more
• Key consideration: Capital is generally locked up for multiple years

The Land Geek: Direct Raw Land Opportunities

The Land Geek focuses specifically on raw land investing, offering access to vacant land deals across the U.S. Unlike traditional crowdfunding platforms, opportunities may involve direct purchases, seller-financed deals, or buy-and-hold strategies.

• Best for: Investors seeking direct exposure to raw land
• Minimum investment: Varies by deal
• Key consideration: Requires strong due diligence and market knowledge

CrowdStreet: Land and Development-Oriented Real Estate

CrowdStreet is a real estate marketplace that offers institutional-grade commercial real estate opportunities, some of which include land development or land-heavy projects. These investments are typically structured as private placements.

• Best for: Experienced, accredited investors
• Minimum investment: Often $25,000 or more
• Key consideration: Complex offerings and long holding periods

WillowWealth: Alternative Investment Marketplace

WillowWealth provides access to a wide range of alternative investments, including real estate-related offerings that may involve land acquisition or development strategies. Some offerings provide diversified exposure through funds.

• Best for: Accredited investors seeking broad alternative exposure
• Minimum investment: Typically, $10,000 or more
• Key consideration: Fees and liquidity vary by offering

Who Is Raw Land Investing Best Suited For?

Raw land investing may be appropriate for investors who:

• Want to diversify beyond stocks and traditional real estate
• Have a long-term investment horizon
• Can tolerate illiquidity and market cycles
• Are comfortable evaluating non-traditional investments

Investors who need current income or short-term liquidity may find raw land less suitable.

Risks and Key Considerations

Before investing in raw land, investors should carefully evaluate:

• Illiquidity, as land can take time to sell
• Lack of regular income unless leased
• Local zoning, environmental, and access issues
• Market demand and future development prospects
• Platform-specific risks, including fees and transparency

Thorough due diligence is essential, particularly when investing through third-party platforms.

Why Use a Self-Directed IRA for Land Investing?

A Self-Directed IRA from IRA Financial allows investors to use retirement funds to invest in alternative assets like raw land while maintaining tax advantages. Depending on whether the account is Traditional or Roth, gains may grow tax-deferred or tax-free.

Key benefits include:

• Broader investment choice beyond Wall Street assets
• Potential tax-efficient growth
• Control over investment decisions
• Ability to invest in land, real estate, private placements, and more

IRA Financial specializes in Self-Directed IRAs and provides the structure and support needed to invest compliantly in alternative assets.

Final Thoughts

Raw land investing can play a meaningful role in a diversified, long-term investment strategy, particularly when paired with the tax advantages of a Self-Directed IRA. Whether investing through fractional farmland platforms, direct land opportunities, or real estate marketplaces, proper structure and compliance are critical.

To learn more about investing in raw land or other alternative assets using a Self-Directed IRA, request a consultation with an IRA Financial New Accounts Specialist today and explore how self-direction can help you take greater control of your retirement strategy.

This article is provided for informational purposes only and does not constitute investment, tax, or legal advice. Any rankings, ratings, or opinions expressed reflect the views of IRA Financial based on internal research, listed criteria, and publicly available data at the time of publication. Rankings are subjective and may not be suitable for all investors. Readers should independently evaluate all options and consult with qualified advisors prior to making financial decisions.

Frequently Asked Questions About Raw Land Investing

Can you invest in raw land with a Self-Directed IRA?

Yes. A Self-Directed IRA allows you to invest in raw land, provided all purchases, expenses, and income flow through the IRA and IRS rules are followed.

Does raw land generate income inside an IRA?

Most raw land investments focus on appreciation. However, land leased for agricultural or commercial use may generate income, which can grow tax-deferred or tax-free inside the IRA.

Are there restrictions when holding land in an IRA?

Yes. You cannot personally use or benefit from land owned by your IRA, and all expenses must be paid directly from IRA funds.