fr Property Investor Resources - YouLand

Property Investor Resources


What is a Bridge Loan?

A Bridge Loan is a short-term mortgage that is used to finance a property until permanent financing is found, the home is resold, or the home is rehabilitated and then resold. Property investors who fix and flip properties are the most common customers of YouLand Bridge Loans.

When do I get my rate?

Our simple pre-qualification only takes about 3 minutes, and you will get your customized rate immediately. Should any of your information change during the process, we’ll simply recalculate and show you your new rate, in real time.

What’s the process to get a Bridge Loan through YouLand?

The process is simple and reliable. To apply for a loan, start by getting your rate. We’ll ask you a few quick questions about you and the home you’re interested in and then give you a customized rate—all in about 3 minutes. From there, we make it easy to finish a full application from directly within your personalized online dashboard. There you will answer some remaining questions and upload the required documentation. The dashboard will also make sure you know exactly where you stand at each step in the process, even when the loan is going through our underwriting processes.

How long does it take to close?

Timing to close will vary depending on the terms of the individual loan. We will fund loans as soon as possible once we have received all of your information, performed a valuation of the property, and verified documentation. The sooner you provide us with the needed information, the sooner we can push your loan forward to closing.

Are you a broker or a lender?

YouLand is a direct lender. We lend our own funds to make sure you close reliably and on time. After closing, we generally sell loans to our institutional investors and to individuals on our investor portal.

What loan programs do you offer?

YouLand offers two programs: Bridge Loans and Consumer Home Loans. Our Bridge Loan program focuses on property investors who need short-term financing for a home they intend to resell for a profit.

Will I qualify for your loans?

You can find out in just 3 minutes. Begin by answering a few short questions, and we’ll give you estimated rates. If anything you told us keeps you from qualifying, we’ll let you know exactly what that is.

What states do you provide Bridge Loans in?

YouLand currently provides Bridge Loans in Arizona, California, Colorado, Florida, Illinois, Michigan, Nevada, New Jersey, New York, Ohio, Oregon, Pennsylvania, Texas, Virginia, and Washington. This list is growing quickly, so be sure to check back regularly if we don’t currently offer Bridge Loans in your state.

How much documentation do I need to provide?

We ask for the least amount of documentation possible. Once you’re ready to apply for a loan, we will generate a custom checklist for you that details the minimum amount of information you’ll need to provide to us. Our goal is to make the process as simple as possible for you. If you have everything ready, you can be done in about 20 minutes. If not, you can always come back later and finish any remaining tasks.

How does your technology make the financing process easier for me?

You can get your personalized rate within minutes. Your personalized online dashboard makes it easy to know exactly where you stand––see a checklist of documents you need to provide and a timeline of all of the activity happening on your loan, in real time. When you need help, click on button to contact your team of loan specialists. Once the loan has closed, your monthly payments begin seamlessly (usually via ACH auto-debit), and you can track your balances right in your dashboard.

Are you all automated or can I talk to someone?

You can talk to someone any time that you have questions or need help. You can reach your dedicated Loan Specialist via phone, email, or chat with one click from your online dashboard.

What are the fees to apply and close?

We’ve streamlined and automated our process to minimize your application and closing fees. For borrowers, there is an application fee of $199 due upon submission of your loan.

At closing, you will be charged a service fee of $499 and a closing fee. The service fee goes towards costs we incur to process and underwrite your loan (e.g., valuation, background check, flood certification, etc.). The closing fee varies by loan program and the rate and terms you select. Fees are net-funded at closing. That means, for example, if you have $1,000 in fees to close on a $200,000 loan, you will be given $199,000 at closing where we keep the difference as our fee.

How will I know the status of my application?

We’ve designed your Loan Dashboard so there are no surprises: when we know something, you know too. Watch your loan as it goes through our process flow. See pending information requests, complete your borrower checklist, upload documents directly, chat with your team of Loan Specialists, and more.

Do you provide rehab financing?

Yes, we do! We are able to offer funds for light to moderate rehab projects (we don’t finance land or ground-up construction). In determining how much we are able to offer in rehab funds, we look at the as-is value of the property as well as the estimate after repair value.

What is your draw process like?

You can choose to obtain your draw in one of two ways. You can either take out small chunks as the rehab is completed or wait until the entire rehab is complete, when you would make one drawdown for the full amount of the project. There is a $125 processing fee for each draw.
The process for obtaining a draw is simple: make a request in your borrower dashboard and drag-and-drop your photos, receipts, and other proof of work. We’ll review your submission promptly, and the funds will be released within 3 to 5 business days from the time of review.

Are rehab loans fully funded at closing?

YouLand keeps rehab funds as a holdback. These funds are held in escrow until after the work has been completed and proof of the work has been submitted. The funds are earmarked for the borrower but not released until the work has been confirmed, at which point a draw is done.

What is the process to raise equity through

The process is online and the application can be accessed through You’ll be asked a series of questions about your firm, the specific transaction and other relevant details. From there, a representative will be in contact to initiate the process and work through due diligence with you.

How much equity can be raised through focuses on balance equity raises, ranging from $0.5 million to $20 million.

What types of properties can I raise funds for on

Cash-flowing commercial real estate of most major property types across the United States, including but not limited to, multi-family, office, industrial, retail, mobile home parks, self-storage, and hospitality. We do not currently raise funds for any ground up development, residential real estate, or owner occupied real estate. We are currently looking for diversified, multi-tenant, well located, cash flow producing properties.

What types of sponsors does work with?

Real estate companies that have at least $25 million in acquisition experience as principal. However, sponsors are evaluated on a case-by-case basis.

Does run background, criminal, and credit checks?

Yes, requires background, criminal, and credit checks for sponsors as part of our due diligence process.

How are investments structured?

YouLand’s investors invest as a single limited member into the joint venture entity that owns the real property. All investors are pooled into a special purpose vehicle, typically an LLC, and then subscribes to the sponsor’s entity as a single investor. This means the sponsor is only responsible for one report, one distribution and one K-1. processes all of the underlying reports, distributions and K-1s for our investors.

What reporting is required? requires quarterly, qualitative, and quantitative investor reporting.

Does the sponsor interact directly with individual investors?

Typically, the sponsor deals and interacts with only, but in certain instances will make direct introductions to the sponsor.

Does require control rights?

Depending on how much equity the YouLand LLC is investing, may require some control rights or consent rights. We do require manager removal for gross negligence, fraud, or other deceit.

How long does it take to fund a transaction?

Most transactions are funded within 30 days of submission.

What is your deal approval process? has a two-stage approval process that involves a full underwriting of the investment and a tour of the asset.

What is the return profile of YouLand's targeted investments? is a value-added investment partner generally targeting individual projects with a levered IRR objective of 15% or greater, and cash-on-cash yields at stabilization of 8% or greater. However, each deal is evaluated on a case-by-case basis.

Does raise capital from non-accredited investors?

No. We only work with accredited investors.

Does raise capital from Chinese investors?

Yes. We work with both Chinese individual and institutional investors.

What type of equity does provide? will invest as either pari-passu common equity, or as preferred equity where the common equity is subordinated.

Does require sponsors to invest their own equity into their transactions?

Yes. We typically require sponsors to co-invest 10% of the total equity requirement of a transaction.

Who is North Capital? is aligned with North Capital Private Securities Corp. (NCPS), a broker-dealer and member of FINRA/SIPC and many employees are also affiliated with North Capital. All equity raises are done through North Capital.

What is the process to get a loan?

You’ll be asked a quick series of questions about the property and you. Our propriety technology then will screen your application and if found to be suited, one of our account executives will reach out to discuss further details and provide you with a quote.

What types of loans does offer? offers loans for acquisition and refinance of commercial properties like apartments, office, retail, industrial, self-storage, mixed use, and more.

We offer three main loan products: Please note that rates and terms are subject to change

  • Private “Hard” money loans: 1-2 year term, $0.5-10 million, full recourse, interest only at 9%+.
  • Bridge loans: 2-5 year term, $3-50 million size, non-recourse, interest only at Libor +4-7%.
  • Permanent loans: 5-10 year term, $1-50 million size, non-recourse, interest only at market rate.

What types of properties does lend on? lends on single and multi-tenant office buildings, manufactured home communities, multifamily and student housing, anchored and unanchored retail buildings, industrial, warehouse and flex properties, self-storage facilities, and mixed use properties.

Is it the same as borrowing from a traditional bank or private lender?

While we make loans similar to a traditional or private lender, our online systems and technology are designed to enhance the process and provide capital throughout the full capital stack.

How do borrowers benefit?

Borrowers benefit from competitive interest rates, a quicker and more transparent underwriting process, flexibility in product offerings, and loan structures.

What rates do you charge?

We offer competitive interest rates but they are subject to a variety of factors including property location, loan size, and experience of the borrower. For CMBS loans, we charge market rates. For bridge loans, we are typically priced between Libor + 4% to Libor + 7%. For private money loans, we typically charge 8-12%.

What states do you lend in?

All except Arizona, Nevada, North Dakota, Minnesota, South Dakota, Tennessee, and Vermont.

How long does the process take and what does it include?

Although this is determined on a case-by-case basis, we aspire to fund within 30 days from application submission. The process typically includes an in-house underwriting, third party reports review, site visit, documentation, and legal review.