Has anyone purchased bare land?

How did it go compared to purchasing property with a house?

We've already contacted one lender and they said they are not doing any land-only loans right now.

Other people we've talked to have said expect to put 20-25% down (at a minimum) and 10-15 year MAX term.

Has anyone purchased land only in the last 1-2 years, with no intentions of developing (no construction loan/wrap up). If so looking for your view.

The land zoning info
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Zoning Description Residential
County Use Code: : Rural Land Over 20 Ac
Universal Land Use: : Agricultural Land

We were hoping to put 10% down on a 30yr loan but it appears bare land isn't done that way...