Frequently Asked Questions

At YouLand, we offer bridge loans for short-term financing, fix and flip loans for purchase and renovation, and ground-up construction loans for long-term construction financing.

• Bridge Loans: Short-term financing solution used to bridge the gap between buying a new property and selling an existing one. We focus lending to “stabilized” properties that do not require extensive rehabilitation.
• Fix and Flip Loans: Short-term loans designed to cover both immediate purchase and renovation costs of properties intended for resale.
• Ground-Up Construction Loans: Loans used to finance the construction of new properties from the ground up.

YouLand offers loans to single-family homes (1-4 units), multifamily properties (5-29 units), as well as condominiums.

At the moment, we strictly do not provide loan for: commercial real estate (office, retail, and hospitality), rural property, land, mobile home, manufactured home, halfway housing, senior care facility, or any housing that are age restricted. We also do not provide any 2nd liens loan and cash out refinancing for properties with deferred maintenance.

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.

YouLand focuses on specific high-demand markets, particularly:

• California
• Hawaii
• Florida
• Texas

Additionally, some loan products, like high-end luxury property loans, are particularly targeted within specific submarkets in California.

To apply for a loan at YouLand, provide the following documents for our team to review.

• 1003 mortgage loan application form
• Borrower's authorization for credit report or the credit report itself
• Driver's license (DL)
• Track record (if applicable)
• W9 form
• Appraisal proof of completion (POC)
• Preliminary title report + escrow POC (within the past 90 days)
• 1-month bank statement
• Evidence of insurance (EOI) with mortgagee clause attached
• Replacement cost estimate (RCE)
• For fix and flip loan: rehab budget and general contractor's information

The loan amount is determined based on the value of the property, the borrower's financial standing, and the specifics of the project. We conduct a thorough evaluation to ensure the loan amount meets the project's needs, based on Loan to Cost (LTC) and Loan to Value (LTV) ratios.

Our LTC rate can extend up to 85% for fix and flip. Our LTV offer can be up to 75% for purchase and 60-65% for refinance.

• TOLL FREE: (833) 968 5263
• Email: operations@youland.com, service@youland.com
• Website: youland.com