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Multifamily Bridge Loan

YouLand provides bridge loans for multifamily properties with 5+ units, designed for investors looking for short-term financing solutions.

3 min
No credit check

What is a multifamily bridge loan?

Multifamily bridge loans provide financing for the purchase, renovation, stabilization and refinancing of multifamily real estate. A multifamily bridge loan is a short-term or interim financing option, often used by borrowers when speed and flexibility is required. Multifamily bridge terms can vary depending on the loan type and lender.

Quick funding with high leverage

Close in as little as 3-10 days, up to 80% LTC.

Competitive rates

Competitive rates and terms with low origination fees.

Multifamily Bridge Loan

Our Multifamily Bridge Loan provides short-term financing for property acquisitions, value-add renovations, lease-up stabilization, or refinancing existing debt for multifamily properties (5+ units).

Small Balance Bridge Loan (5-8 units)

For investors acquiring or repositioning 5 to 8-unit multifamily properties with a short-term business plan

Loan amount: $500K - $3M
Minimum credit score: 680
Leverage: LTV up to 80% as-is, LTC up to 80%, and up to 70% LTARV
Rate type: Fixed
Term: 12 - 18 months, interest-only
Property types: Class A, B, and C properties. Mixed use properties with residential component greater than 50%
Recourse: Personal guarantees required for at least 51% ownership
Interest reserves: 3 months required (may be waived for experienced borrowers)
Exit strategy: Typically refinanced into long-term financing upon stabilization

Small Balance Bridge Agency Loan (9+ units)

For investors acquiring 9+ unit multifamily properties with a transition strategy

Loan amount: $1M - $3.5M
Minimum credit score: 680
Up to 75% as-is value and 75% total cost
Rate type: Fixed
Term: 12-24 months, interest-only
Property types: Class A, B, and C properties. Mixed use properties with residential component greater than 50%
Recourse: Personal guarantees required for at least 51% ownership
Interest reserves: 3 months required (may be waived for experienced borrowers)
Exit strategy: Typically refinanced into agency-backed permanent financing
Get pre-approved in3 minutes.

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.

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.

With more than $1 billion funded, YouLand is the leading private lending company specializing in hard money loans for residential real estate investors. Leveraging advanced data, technology and AI, we offer a simpler, reliable, and faster way for investors to secure the capital they need to expand their businesses.