Tuga,
If you're going to Kerrville (POG3), you can see their variation on lot ownership. Buckhorn has a private area (over a bridge) to "The Club". Intead of purchasing a site, you put up $45,000, which will be returned when you decide to give up interest on your site.
On your site, however, you can build whatever you want, and when I looked in October, one family was building a 2000 square foot two-story house!
You still have to pay $475 per month to maintain the spot, but later when you decide to move on, you may sell any building etc which you put on the site. So, it's "sorta" like getting the site without buying a $100,000 site first.
There were some really nice homes there. Ask Sheryl Prather (at Buckhorn) to give you a tour of "The Club".
