Bridge Loan
YouLand provides bridge loans for the purchase or refinance of investment residential properties with high leverage, up to 80% LTV.
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.
Practical applications and real-world scenarios
All-cash offers
Buy first, sell later
Forget the paperwork and waiting — we make real estate financing fast, focused, and builder-ready.
Step 1: Provide a few basic details to get pre-approved.
Step 2: Submit the required documents to secure the lowest rate.
Step 3: Final underwriting.
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.
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.