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All-cash offer

Stand out in a competitive market and get all the benefits of buying with cash.

3 min
No credit check

How do I make an all-cash offer with YouLand?

Our cash, your offer. Most people don’t have the cash to compete in an expensive bidding war. YouLand’s Bridge Loan is the perfect solution.

Secure a short-term bridge loan with us and leverage the power of cash offers in a competitive market.

Beat the competition

Enjoy the benefits of all-cash offers to present a stronger bid in a multiple offer situation.

Lower purchase price

Avoid overpaying for your home. Negotiate more effectively and save 1000s compared to buyers using traditional financing methods.

Fast closing & competitive rates

We typically close within 3 days and our rates are among the most competitive in the industry.

No early repayment penalties

Pay off or refinance your loan early without any additional fees or penalties.

Long-term rental financing made simple

For investors financing single-family rentals (SFRs), townhomes, condos, or 2–4 unit properties — with flexible terms and no income documentation required.

LTV: Up to 80% for purchases, 75% for refinances, and 70% for cash‑out
Property types: Single-family residence, townhome, condos
Loan amounts: $100K - $10M
Credit score: 650+
Payment: Interest-only
Term: 12-24 months
No prepayment penalty. No income verification.

YouLand
Traditional agents
Fast, Hassle-free closings
Immediate approval
No loan contingency
No income verification needed
Fixed rate, interest-only payments
No early repayment penalties
Appraisal report post-funding

What sets YouLand’s all-cash offer apart?

YouLand stands out by offering speed, certainty, and flexibility that traditional financing can’t match. Our all-cash offer allows you to close deals faster, making your bids more competitive in today’s market. Unlike conventional loans, we eliminate lengthy approval processes, ensuring a seamless and hassle-free transaction.

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.