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Land Loan

Infill development financing for zoned, entitled single‑family residential land, offering up to 60% LTC (Loan to cost).

3 min
No credit check

What is a Land Loan?

A land loan is for buying raw or improved land. Expect 30-50% down, higher rates, shorter balloons. Lenders demand survey, zoning proof, utility or building plans. More risk than conventional mortgages.

Zoned & entitled land

Parcels must already carry single‑family zoning and hold all required entitlements.

Shovel‑ready sites

We fund lots with approved permits, complete construction plans, and a defined build schedule.

Infill locations only

Projects must sit in urban or mature suburban areas with strong recent comps and existing infrastructure.

Land Loans for Infill Development

Flexible financing for zoned, entitled single‑family parcels

Loan-to-cost (LTC): Up to 60%
Loan size: Up to $50 million
Use case: Purchase only (no refinance)
Underwriting: Collateral-based

We support a wide range of loan products and borrower options

Where We Lend

Coastal states: California, Texas, Florida etc.

High-growth markets: Across the Sun Belt, where housing demand is strong

What We Don’t Finance

Raw or undeveloped land

Land entitled for non-residential use (e.g., office, logistics, multifamily)

Refinance or cash-out transactions

Land without clear entitlement and zoning approvals

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.