Stabilized Bridge Loan
YouLand provides bridge loans for the purchase or refinance of investment residential properties with high leverage, up to 75% LTV.
What is a stabilized bridge loan?
A bridge loan serves as a short-term financing solution utilized until permanent financing is secured or a property is sold. Our program focuses on "stabilized" properties, which are properties in good condition that do not require rehabilitation.
Close fast
We typically close within 5 days.
High leverage
Up to 75% LTV for purchase and rate and term refinance, and up to 65% LTV for cash-out refinance.
Competitive rates
Our rates and fees are among the most competitive in the industry.
Easy process
The application is 100% online and only takes a few minutes.
STABILIZED BRIDGE LOAN TERMS
Our Stabilized Bridge loans can be used to fund new purchases, refinance, or refinance with cash-out.
Term
12-18 months
Loan amount
$100K to $20M
Purchase and refinance
Up to 75% LTV
Cash-out refi
Up to 65% LTV
High leverage
No income verification
No prepayment penalty
Use cases
All-cash offers
We can fund your loan in just 3-5 days—appraisals can wait until after. By providing the necessary funds upfront, our loan allows you to make all-cash offers and secure better deals in competitive markets.
Buy first, sell later
Obtain cash from your existing property using a cash-out refinance loan from YouLand and use those proceeds as a down payment for the purchase transaction. YouLand can also provide the purchase bridge loan for this transaction.
After you buy the new property, sell the first property to pay off the cash-out refinance loan. Finally, refinance the purchase bridge loan into a 30-year mortgage.
Get your loan funded in just 3 short steps
Get pre-approved online
With just some basic information, we can quickly assess a loan's eligibility and provide you with a pre-approval decision and preliminary loan terms.
Submit details
Once a loan is deemed eligible, we need some more information about the property and the borrower. We'll adjust the loan terms accordingly.
Final underwriting
This is where we check the appraisal, credit score, and any other information critical to the loan. As soon as this step is completed, we can close and fund the loan.
Program terms
As a direct lender, we have full discretion and the funds on hand to close quickly. YouLand prides itself on its customer service, ease of process, and speed. We look forward to helping you succeed by financing your next investment property.
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.
Properties we currently cannot finance
Here is a list of property types for which we are unable to offer loans at this time:
- Land
- 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.
$1 Billion+
in bridge financing provided to investors and developers.
1000+ homes
funded by our team so far, located all across the country.
99%
success rate in exits compared to the 85% industry standard.
42 states
where we lend in and help people invest in their communities.
NMLS ID 2090196
NMLS consumer access : https://www.nmlsconsumeraccess.org/
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