Finance your next project with confidence

The go-to capital provider for builders, investors, and developers– with quick closings and easy draws

3 min
No credit check

$1.2B+ funded and 1,381 projects completed

Montebello, CA

Bridge Refinance

Atherton, CA

Ground Up Construction Refinance

Austin, TX

Single-Family DSCR Rental Purchase

Atlanta, GA

Fix and Flip Refinance

Portland, OR

Bridge Purchase

Miami, FL

Fix and Flip Purchase

Denver, CO

Bridge Refinance

San Diego, CA

Ground Up Construction Refinance

Nashville, TN

Fix and Flip Loan Refinance

Chicago, IL

Fix and Flip Refinance

Pick the loan that powers your next project

Whether you're flipping your next home, breaking ground on a new build, or refinancing your rental — we’ve got the capital to move you forward.

Bridge Loan

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Short-term financing for the purchase or refinance of stabilized investment properties — offering up to 80% LTV.

Fix and Flip Loan

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Short-term financing for purchase and rehab of investment properties with high leverage, up to 75% LTV / 90% LTC.

Ground Up Construction Loan

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Tailored financing for builders and developers starting new construction projects — backed by fast funding and expert support.

Multifamily Bridge Loan

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Bridge loans for 5+ unit multifamily properties — designed for investors seeking short-term, scalable financing solutions.

Single-Family DSCR Rental Loan

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Flexible loans for cash-flowing investment properties up to 4 units — based on debt service coverage ratio (DSCR).

Multifamily DSCR Rental Loan

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Flexible rental financing for 5 to 10-unit multifamily properties — based on debt service coverage ratio (DSCR).

Same-day closings

From form to funding in hours, not weeks. No other lender matches YouLand's speed.

Step 1: Provide a few details on the project you're looking to finance

Step 2: Fill in your details like FICO & number of projects exited

Step 3: Choose your desired loan term to receive pricing.

Trusted by builders nationwide.

$0

in capital deployed

YouLand is a direct lender and has complete discretion over our capital. No outside approval is required for us to close.

0

projects completed

From quick rehab to long-term rental holds to new construction, our team has the experience and the tools to help you succeed

74% of clients fund ≥3 deals

Repeat investors come back time and again for our consistency– draws release within 24-48 hours and loan terms don’t change at the last minute.

What makes YouLand special?

Competitive rates

Scale your business with cost efficient capital that maximizes your returns.

Same-day closing

Our streamlined application and underwriting enable closings in as fast as 24h – most loans close in 3—5 days.

Virtual draw process

Integrated with Sitewire for one-tap virtual inspections—most draws release within 24–48 hours.

Real stories from real investors

Don’t just take our word for it — hear from the people we’ve helped fund and grow.

Fast and meticulous service

Sara was amazing to work with in terms of service responsiveness and attention to detail. Great job Sara!

May 2025

5.0 Rating

Byron E.

24/7 communication

Communication is imperative and YouLand has that. I can call anyone working on my file at any time and have a discussion of the needs of the customer. This partnership is a key factor in what has helped me develop into one of the go to private lenders in my market.

October 2022

4.0 Rating

Lilianna M.

Reputable service

I'd heard plenty of praise for YouLand in my area before I decided to work with them, and now I completely get it. After securing with them, it's clear why they're so popular in the lending community. Their service and support went beyond my expectations, affirming their reputation is well-earned.

August 2023

5.0 Rating

Lacey G.

Transparency and variety

YouLand's platform offered an unmatched variety of loan products, making it easy to find the perfect fit for my investment property. Their transparent pricing and the speed of service were impressive, outpacing any other lender I've worked with.

September 2022

4.0 Rating

Sloan L.

Seamless closing

Working with YouLand was effortless from application to funding. They closed my loan in five days and kept me informed every step, so I could focus on the build instead of paperwork.

May 2024

5.0 Rating

Marcus T.

States we lend in

YouLand is dedicated to supporting real estate investors nationwide with our technology, capital, and investment experience.

We currently lend in the following 42 states:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, and Virginia.

We currently do not lend in the following states:

Idaho, Montana, Wyoming, North Dakota, South Dakota, Iowa, Nebraska, Minnesota.

Frequently asked questions

Have questions? Our real estate finance experts are here to help — every step of the way.

Here is a list of property types for which we are unable to offer loans at this time:

  • Rural properties
  • Commercial real estate, including office, retail, and hospitality
  • Mobile homes
  • Manufactured homes
  • Multi-family in New York and New Jersey

In addition, we are 1st lien only and can’t do 2nd or 3rd.

YouLand is a technology-enabled real estate lender founded in 2017 by Richard Jia, a former private equity investor at Fillmore Capital Partners. We provide fast, flexible, and reliable capital to property investors across the U.S.—whether they’re flipping homes, building ground-up developments, or growing rental portfolios. Backed by deep capital markets expertise, YouLand helps real estate entrepreneurs scale with confidence in the $25B+ bridge lending space.

Yes — we require an appraisal for all our loans to ensure accurate property valuation.

Yes — we believe in full transparency. Our loans include standard fees such as origination, underwriting, and document preparation.

No, you don’t need a business entity to secure a loan with us.

Visit our portal at apply.youland.com, fill out the online application form, and submit the required documentation. Our team will review your application and reach out to you as soon as possible.

We typically fund loans up to $30 million, but we don’t have a hard cap — larger deals can be considered on a case-by-case basis.