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, typically on entitled land—land that has already received necessary approvals like zoning and permits. These loans often support infill developments, where vacant or underutilized lots in established urban or suburban areas are developed. They cover costs from land acquisition to construction completion, ensuring smooth progress until the property is ready for sale or long-term financing.
Multiple draw options
Choose Dutch funding or milestone-based disbursements
Competitive rates
Competitive rates and terms with low origination fees.
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
No application fee
No income verification
No prepayment penalties
Fund new purchases or restore your cash position
YouLand offers flexible construction loans designed to support investment property purchases, including single-family homes, 2-4 unit properties, and planned unit developments (PUDs):
New purchase
Secure the capital you need to acquire property and cover building costs. With fast closings, YouLand empowers you to compete with cash buyers in today's fast-moving real estate market.Refinance
Use your own funds to purchase a property, then restore your cash position by refinancing within six months, giving you more liquidity for future investments.Get your loan funded in just 3 short steps
Step 1: 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.
Step 2: 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.
Step 3: 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 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.
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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