Fix and Flip Loan
YouLand provides short-term financing for the purchase and rehab of investment residential properties with high leverage, up to 85% LTC.
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 fast
We typically close within 10 days.
High leverage
We can fund loans up to 85% LTC / 80% ARV.
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.
FIX AND FLIP LOAN TERMS
Our Fix and Flip loans can be used to fund new purchases or restore your cash position.
Loan amount
$100K to $10M
Purchase price
Up to 80%
Rehab cost
100%
Interest-only options
12, 18, or 24 month terms
No application fee
No prepayment penalty
No income verification
Use cases
New purchase
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
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
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.
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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