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Bridge Loan

YouLand provides bridge loans for the purchase or refinance of investment residential properties with high leverage, up to 80% LTV.

3 min
No credit check

What is a bridge loan?

A bridge loan is a temporary financing solution commonly used in real estate to cover expenses during a transition, such as purchasing a new home before selling your current one. It serves as a financial bridge between buying and selling properties.

Close fast

Most loans close in just 3–7 business days — giving you the speed to act on opportunities without delays.

High leverage

Up to 80% for purchases, 75% for refinances, and 70% for cash‑out — more capital, less upfront equity.

Competitive rates

We offer transparent, investor-friendly pricing with no hidden fees — among the most competitive in the industry.

Easy process

Apply online in minutes. No income verification, no tax returns — just a fast, streamlined approval process.

Loan terms built for speed and flexibility

Use our Bridge Loan to purchase, refinance, or refinance with cash-out — all without tax returns or income verification.

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.

Practical applications and real-world scenarios

All-cash offers

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Get funded in just 3—7 days—appraisals can wait. Make true all‑cash offers and win deals in competitive markets.

Buy first, sell later

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Unlock equity with a cash‑out refi to cover your new down payment. We’ll bridge the purchase and roll both loans into a 30‑year mortgage once you sell.
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.

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.