Question 1

How do I finance a vineyard purchase?

Accepted Answer

A vineyard is financed against the appraised value of the land and planted vines, typically at 50–70% LTV. Turnrow lends up to $1.5M at up to 70% LTV on non-owner-occupied vineyards with no tax returns or financials — a term sheet arrives in 24–48 hours.

Question 2

Can I get a loan to buy a winery?

Accepted Answer

Yes — but lenders split a winery into two assets: the real estate (land, vineyard, production building, tasting room) and the business (brand, inventory, licenses). Real estate loans of up to 70% LTV cover the first; the business side is usually seller-financed or bought with separate capital.

Question 3

How is financing planted acreage different from bare land?

Accepted Answer

Planted acreage appraises higher and borrows more per acre because the crop infrastructure — vines, trees, irrigation — is part of the collateral. Bare land of the same soil class might appraise at half the number, so the same 70% LTV produces a much smaller loan.

Question 4

How do I finance a cattle ranch?

Accepted Answer

A ranch loan is secured by the deeded land — not the cattle. Turnrow lends up to 70% of appraised value on non-owner-occupied ranch land, up to $1.5M, with no tax returns and a soft credit pull at 680+. Livestock is financed separately, if at all.

Question 5

Do lenders count grazing leases or BLM permits toward value?

Accepted Answer

Mostly no. BLM and Forest Service permits are revocable privileges, not real property, so they carry little or no appraised value as collateral. A ranch advertised as "10,000 acres" with 9,000 permitted acres is, to a lender, a 1,000-deeded-acre loan.

Question 6

How do I finance an orchard or grove — almonds, citrus, apples?

Accepted Answer

Orchards are financed like vineyards: the loan is a percentage of appraised value, and the trees, their age curve, and the water supply drive that appraisal. Turnrow lends up to $1.5M at up to 70% LTV on producing orchards with no financials required.

Question 7

What is the loan difference between raw land and improved ag land?

Accepted Answer

Improved ag land — irrigated, fenced, leveled, with power and legal access — appraises higher and borrows more at the same LTV. Raw land borrows less per acre and gets more scrutiny on access, utilities, and exit, because there is no income and thinner comparable sales.

Question 8

Can I finance a hobby farm or agritourism property that produces income?

Accepted Answer

Yes, if the loan is business-purpose and you do not live there. A farm stand, U-pick orchard, event barn, or boarding operation held in an LLC as an investment qualifies. Turnrow lends on these up to $1.5M at up to 70% LTV — no tax returns, soft credit pull.

Question 9

Can I finance farmland that has a house on it?

Accepted Answer

Yes — as long as neither you nor your family occupies the house. A tenant house, farm manager residence, or rental dwelling on ag land is fine for a business-purpose loan. If you intend to live there, the loan becomes consumer-purpose and needs a different lender entirely.

Question 10

How are greenhouse and nursery properties financed?

Accepted Answer

Greenhouses and nurseries finance on the land plus permanent structures — glass or poly houses, heating plants, water systems — at typical LTVs of 50–70%. Container stock and plant inventory are excluded from collateral, the same way cattle are excluded on a ranch loan.

Question 11

Can I finance timberland or land I plan to convert from timber to farming?

Accepted Answer

Yes. Timberland is financed on appraised value, which combines bare land value and merchantable timber value from a timber cruise. Conversion plays — clearing timber to plant crops or pasture — underwrite as bridge loans, since the property changes character mid-loan.

Question 12

Can I get a land loan for hemp or cannabis-related property?

Accepted Answer

Hemp, yes — it has been federally legal since the 2018 Farm Bill, and land growing licensed hemp finances like any specialty crop. Cannabis, no: marijuana remains federally scheduled, and nearly every lender tied to the banking system — including most private lenders — cannot touch it.

Question 13

How do I finance an equestrian facility?

Accepted Answer

Equestrian properties — boarding barns, training facilities, arenas — finance as business-purpose real estate at typical LTVs up to 70% when they are income operations rather than personal horse property. The land, barns, arenas, and water carry the appraisal; the horses never do.

Question 14

How do dairy conversions and specialty ag facilities get financed?

Accepted Answer

Former dairies, processing barns, and other specialty facilities finance on what the property is worth in its next use, not its old one. Turnrow underwrites conversions as 12–36 month bridge loans: buy the facility at its discounted current value, convert, then refinance or sell at the new use.

Property Types