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Ground-up Construction Loan

YouLand offers high-leverage ground-up construction loans for 1–4 unit residential properties, supporting infill vertical developments on entitled land for quick project completion.

3 min
No credit check

What is a ground-up construction loan?

A ground-up construction loan provides funding to build a new property from scratch, usually on entitled land that already has zoning and permits in place. These loans are often used for developing vacant or underutilized lots in urban or suburban areas, covering costs from land purchase to construction until the property is ready for sale or long-term financing.

Competitive rates

Competitive rates and terms with low origination fees.

Multiple draw options

Choose Dutch funding or milestone-based disbursements

Flexible closing

Choose between single or dual close loans depending on your financing structure.

Multiple exit strategies

Build-to-sell or build-to-rent strategies offer flexibility in how you plan to use the finished property.

GROUND UP CONSTRUCTION LOAN TERMS

Our Ground-up Construction loan can be utilized to finance new construction projects, purchase land, or provide the necessary capital for other development needs

Leverage: LTC up to 85%, LTV up to 75%
Property types: Single-family residence, townhome
Loan amount: $100K - $5M
Credit score: 660
Rate type: Fixed
Terms: 12-24 months, interest-only
No personal income/asset/tax return verification required. No foreclosure or bankruptcy within the past 24 months

Program qualifications

Experienced developers & investors - Must have a proven track record of similar projects
Legal entities only - LLCs, Limited Partnerships, Corporations, Irrevocable Trusts
Urban & suburban markets - No rural properties; projects must meet demand and appraisal criteria
Approved plans & permits required - Exceptions available with zoning attorney verification

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.

Practical applications and real-world scenarios

You own the land & are shovel ready

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What we’re looking for

A clear vision, detailed scope of work, and well‑defined exit strategy. Your development experience—we welcome seasoned builders and new developers alike.

Typical loan terms

  • Up to 80% of total project cost
  • Your equity in first position
  • Rates starting at 11.5% with 1.5 points

Land + Entitlement + Construction Financing

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Description

If so, our team offers fully customized solutions from concept to completion. We specialize in funding visionary investors and complex projects with big potential.

Financing can cover

  • Land acquisition；Surveys, electrical, plumbing, and permits
  • Architectural and engineering plans；Feasibility studies
  • Site development
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.