Products
    Partners
    Resources
    Why YouLand
    Loan servicing
    Contact us

Sign in

Luxury properties

We offer high-leverage loans nationwide for luxury single-family residences, whether you're refinancing, acquiring, or building.

3 min
No credit check

Why choose YouLand’s Luxury Properties program?

We provide specialized financing solutions for luxury single-family residences (SFRs) across the country. Whether you’re refinancing to sell, acquiring a new property, or funding a construction project, our competitive, high-leverage loan programs are here to help in the luxury real estate market.

Large loan amounts

Most lenders can only do loans for homes worth up to $3M. We can fund up to $30MM.

Fast closing & competitive rates

We typically close within 3 days and our rates are among the most competitive in the industry.

No early repayment penalties

Pay off or refinance your loan early without any additional fees or penalties.

perfect for the following use-cases

Bridge to Sale Financing

For developers and investors who need to pay off existing construction loans and secure additional funds while bringing luxury home to market

Property type: Single-family residence
LTV up to 75%
Term: 12-24 months

Best for:

  1. Developers who have completed construction and need time to sell at the best price
  2. Investors looking for short-term bridge financing while marketing a luxury home

Acquisition Bridge Loan

For investors to quickly acquire high-end luxury properties without traditional constraints

Property type: Single-family residence
Loan amount: Up to $30M
Up to 95% LTC / 80% ARV
Term: 12-14 months

Best for:

  1. Investors acquiring luxury homes for resale or rental
  2. Buyers who need short-tern financing before securing permanent funding
  3. Real estate professionals looking to leverage equity for new acquisitions

Luxury Construction Loan

For high-end builders and developers funding teardowns or ground-up projects on premium land

Property type: Single-family residence
Up to 90% of total construction costs
Flexible draw schedules: customized milestone-based funding during construction phase

Best for:

  1. Luxury home builders working on custom estates
  2. Developers creating high-end residential communities
  3. Investors seeking financing for redevelopment and teardown projects

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.