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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 93%, LTV up to 75%, and up to 100% of rehab funds
Term: 12-24 months
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

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
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.