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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
Same-day closings

From form to funding in hours, not weeks. No other lender matches YouLand's speed.

Step 1: Provide a few details on the project you're looking to finance

Step 2: Fill in your details like FICO & number of projects exited

Step 3: Choose your desired loan term to receive pricing.

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.

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.