Landowner Insider

Author: Kasey Mock

Welcome to the Landowner Insider! We exist to help accomplish your goals through land ownership. On this show, host Kasey Mock will interview experts from the world of land ownership. From finance, title and legal, to oil and gas, land management, conservation and more: We want to share as much knowledge possible through stories of adventure in the outdoors. Go Get em! Land Broker Insider is presented by The Mock Ranches Group at Keller Williams International, 2018 National Recreational Land Broker of the Year.
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Genres: Business, Sports, Wilderness

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What a Texas Banker Looks for Before You Buy Land | Brock Demere
Episode 29
Wednesday, 4 November, 2026

Are you financially ready to buy land? Community banker Brock Demere of Citizens National Bank in Stephenville breaks down what lenders look at before saying yes, how much cash to keep in reserve, and why a $900K Texas ranch can take $320K+ in cash before you build. Kasey and Brock also cover how rate changes shrink buying power, paying off your homestead vs. leveraging it, cash-out refis, truck payments as a cash flow killer, why land flips with debt don't pencil right now, ag lending, what makes a strong borrower, and why the tax question comes first on every real estate deal: cost segregation, bonus depreciation, REPS and the Augusta rule. Plus: the IRS audit that ended with the government owing them $60, the Profit First account system, and whether a retiring rancher needs the $2M from a sale or the income off it. Recorded October 2026. Rates reflect that time. Educational only, not financial, tax or legal advice. Books: Profit First (Mike Michalowicz), Tax-Free Wealth (Tom Wheelwright) Texas land for sale: https://www.mockranches.com