Frequently Asked Questions

What are your licenses and credentials?
Capital Holdings, Inc. is a licensed California Real Estate brokerage. We have an "A+" credit rating through Dun and Bradstreet and the Better Business Bureau. Our brokers have over 60 years of combined experience in real estate with land sales as their specialty.

How do you compare to other land companies?
It is rare to find a company that offers land that may be purchased with as little as 10% downpayment. Most banks will not finance land, and most land purchases require cash. Capital Holdings, Inc. makes land ownership possible and affordable with down payments as low as 10%.

Other land companies require 25% or higher down payments, whereas Capital Holdings, Inc. allows you to leverage your money by acquiring speculative investment property with the least amount of "out-of-pocket" cash.

Do you check my credit?
No, there is no credit check needed to purchase land through Capital Holdings, Inc.

What are the terms for purchasing?

With 10% down, the interest rate is 9 % for 15 (or 30) years.
With 20% down, the interest rate is 8.5% for 15 (or 30) years.
With 30% down, the interest rate is 8% for 15 (or 30) years.

What’s my down payment?
You need to put at least 10% of the purchase price as downpayment (may vary depending on parcel).

What is my monthly payment?
Your monthly payment depends on your loan amount.

What is leveraging?
Leveraging in real estate is spending as little money out of pocket in order to get the greatest return.

Why invest in land?
Land requires no maintenance in order for it to go up in value. The land goes up in value because of supply and demand. If there is a lesser supply of land, and the demand is higher, the higher in price the land will sell. For example, the price of land in Rancho Cucamonga a few years ago was affordable. Recently, so much growth has been happening in the area that land prices have gone up to as high as $1 million for 5 acres.

Why California?
California is the most populous state in the United States. The population is expected to double in the next twenty years. Along with population growth, California has a strong economy, jobs, and great weather. These factors affects California's growth tremendously and therefore increasing the real estate value in the state.

What area is the best?
The best area depends on your budget, your investment goals, objective and your timeline.

How do I know exactly where my property is located?
Each property has a unique Assessor's Parcel Number (APN). We use maps from the San Bernardino County Assessor that corresponds to the property's APN. By using the APN and Assessor's map, we are able to get a more detailed location of the property. Even with these tools, we are not able to identify the exact location and boundaries of the property when touring. We can only get to the approximate location of the property. To get the most accurate location and boundaries of a property, it is recommended that you have a surveyor come out and do this for you.

Who owns the land that Capital Holdings, Inc. sells?
All parcels that are marketed and sold by Capital Holdings, Inc. (CHI) are owned by its affiliated entities.

Who do the Capital Holdings, Inc. agents and brokers represent?
Capital Holdings, Inc. represents the seller exclusively.

How does land investing compare to stocks?
Land is one of the places where leveraging on speculative investment is possible. This makes the opportunity to purchase land possible for everyone. With stocks, there is no leveraging. If you want to buy $100,000 in shares, you need to have $100,000 in cash.

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Joshua Tree
Apple Valley, California

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