posted 12 years ago
I would just ask the lenders if what you are planning to do qualifies. Be sure to document where you go and what you've done, and get the names/numbers of people you work with and ask if they can be references for you.
Just remember that borrowed money is just that, and you will be expected to repay it, with interest; or face losing the land and possibly more. If you go that route be sure to know what you plan to market and to whom and at what price.....hopefully you will have worked on some farms growing and selling that very thing.
Farm startup is hard work, aside from the financial issues. And you are trying to do, apparently alone, what the entirety of human history has only really done in groups larger than the nuclear family. Perhaps you should consider finding others to "go in" with in one way or another.
Another thing to check out is there are some organizations that connect older people having land with young people having enthusiasm, some with a stipulation that if the young person proves amenable and industrious, some generous terms of land access or even transfer of ownership might ensue.