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.
YouLand offers flexible construction loans designed to support investment property purchases, including single-family homes, 2-4 unit properties, and planned unit developments (PUDs):
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.
Once a loan is deemed eligible, we need some more information about the property and the borrower. We'll adjust the loan terms accordingly.
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.
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.
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.
Here is a list of property types for which we are unable to offer loans at this time:
In addition, we are 1st lien only and can't do 2nd or 3rd.
NMLS ID 2090196
NMLS consumer access : https://www.nmlsconsumeraccess.org/
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