re: Financing for raw land

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raw land planted in loblolly pines.

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At $3500/acre

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And you said it is in a rural community? Geez. Sounds like you are paying recreational land prices not timber investor prices. Have you had a forester look at the land to see what you would have in timber? How far is it away from mills?

1. As mentioned before, call your local Land Bank, First south farm credit or Southern Ag and see what they have going. They will provide you with various financing possibilities. I know Louisiana Land Bank has been providing a patronage check back of at least 1% of your outstanding loan balance every year.
2. Someone mentioned an LLC getting a better rate, I have never seen that. If you did buy it in an LLC, they would base the loan on your credit and you would have to sign a personal guaranty as well. However, there MAY be some added tax planning opportunities available by putting it into an entity. Ask your cpa.

Remember, if you are buying this from a large company like Weyerhaeuser, they are selling the land for a reason, i.e. they think they can get more money than it is worth.