Products
    Partners
    Resources
    Why YouLand
    Loan servicing
    Contact us

Sign in

Fix and Flip Loan

YouLand offers short-term capital for investors purchasing and renovating residential properties — with up to 93% LTC and no bank delays.

3 min
No credit check

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 93%, 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.

Leverage: LTC up to 93%, LTV up to 75%, and up to 100% of rehab funds
Property types: Single-family residence, townhome, condos
Loan amounts: $100K - $9M
Credit score: 650+
Payment: Interest-only
Term: 12-24 months
Fees: No application fee. No prepayment penalty. No income verification.

Practical applications and real-world scenarios

New purchase

View

YouLand offers funding for both the purchase and the rehabilitation of the property. Our swift closing times put you in a strong position to compete with all-cash offers.

Delayed purchase refinance

View

If you've used personal funds or tapped into home equity for a purchase, we can help you refinance to regain your initial cash investment within six months of acquiring the property.

Seasoned finance

View

Already own your investment property for six months or more? Our Fix and Flip loans can provide the additional funds needed to cross the finish line with your project.
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.