Fix and Flip Loan
YouLand offers short-term capital for investors purchasing and renovating residential properties — with up to 90% LTC and no bank delays.
What is a fix and flip loan?
A fix and flip loan is a short-term loan specifically designed for real estate investors who purchase properties to renovate and resell quickly. This loan product provides swift capital to cover both the purchase and the rehabilitation costs.
Close in as little as 3-7 business days
Get your deal funded without delays or red tape.
High leverage, less capital required
LTC (loan‑to‑cost) up to 90%, LTV (loan‑to‑value) up to 75%, and up to 100% of rehab funds.
Competitive pricing, transparent terms
No hidden fees — just straightforward, investor-friendly rates.
100% online. No tax returns needed
Apply in minutes. Get pre-approved fast.
Loan terms built for real estate investors
Whether you're buying your next flip or refinancing a past project, our Fix and Flip loans give you the flexibility to act fast and keep your capital moving.
Practical applications and real-world scenarios
New purchase
Delayed purchase refinance
Seasoned finance
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.