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Real estate agents

Give your buyers a funding edge

Instant scenarios, close in as little as five days, and rely on a dedicated loan team on call.

Empower your brokerage with YouLand

Direct capital, 24/7 support, white‑label branding, and guaranteed broker payouts—everything brokers need to close faster.

Direct lender

YouLand is a direct lender and has complete discretion over our capital. No outside approval is required for us to close.

Close fast

We typically close within 5 days.

Easy process

The application is 100% online and only takes a few minutes.

24/7 support

Around-the-clock support for clients via email and phone from our dedicated broker support team.

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Serve a diverse range of clients

Short-term, investment property, flexible-doc, and large-balance financing options meet every need—from self-employed borrowers and foreign nationals to those with imperfect credit.

Flexible financing at a moment’s notice

Competitive rates, adaptable terms, and dependable capital fund deals in as little as five days, up to $10M.

Manage every deal online

Price scenarios, generate instant pre-approvals, and track applications in real time—all in one portal.

YouLand’s loan programs

We offer you a one‑stop service that grants access to multiple loan programs, removing the hassle of shopping for lenders. Best of all, a dedicated broker consultant is always on hand to structure each loan to meet your clients’ individual needs.

Bridge Loan

Short-term financing for purchase and refinance of investment properties

Property type: Single-family residence, townhome, condos
Loan amount: $100K - $10M
Leverage: LTV up to 80% for purchases, 75% for refinances, and 70% for cash‑out
Term: 12-24 months
No prepayment penalty

Fix and Flip Loan

Short-term financing for purchase and rehab of investment properties

Property type: Single-family residence, townhome, condos
Loan amount: $100K - $9M
Leverage: LTC up to 90%, LTV up to 75%, and up to 100% of rehab funds
Term: 12-24 months
No prepayment penalty

DSCR Rental Loan

Flexible loans for cash-flowing investment properties up to 4 units — based on debt service coverage ratio (DSCR)

Property type: Finance SFRs, condos, townhomes, and 2–4 unit rentals
Loan amount: $75K - $3M
Leverage: Up to 80% for purchases and rate-term refis; 70% for cash-out refis
Term: 30-year fixed or ARM (1, 2, 3, 5, or 7-year options)
No prepayment penalty

Ground Up Construction Loan

Tailored financing for builders and developers starting new construction projects — backed by fast funding and expert support.

Property type: Single-family residence, townhome
Loan amount: $100K - $5M
Leverage: LTC up to 85%, LTV up to 75%
Term: 12-24 months
No prepayment penalty
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.