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.
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
Program qualifications
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
- 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
- Land acquisition
- Architectural and engineering plans
- Feasibility studies
- Site development
- Surveys, electrical, plumbing, and permits
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.