about us

With over 20 years of experience in property investment and hard money lending, YDL is a trusted source of fast and flexible financing for real estate investors. We pride ourselves on quick loan processing and personalized service to meet the unique needs of each client. Our commitment to building long-term relationships ensures your continued success.

Fast Lending Decisions

Funding Within 7 Days

Professional and Experienced Staff

State of the art Management Systems

Are you a broker interested to work with us?


Why Borrowers Like Us

We can fund within 7 days

We can make in-principle decisions within 48 hours of requested information being provided, and can fund within 7 days! Our quick approval process will help secure the funding you need to move forward without delay

No experience required

Flipping experience is preferred, but not required. Risk guidance is available for inexperienced borrowers

No early payoff penalties

Managing your project well should not lead to penalties. We therefore won't penalize you for paying off the loan before the maturity date

Competitive rates

Our rates are based on your creditworthiness and experience. More competitive rates are offered for experienced borrowers

Personalised service

You will work directly with one of our professional and trusted representatives and you are guaranteed personalized attention throughout the process

Transparent and upfront fees

We have a clear and transparent fee structure, so there are no unpleasant surprises down the line. A better understanding of the true cost of the loan helps you make informed decisions upfront

Attractive proposition for brokers

Speed of application

We have an easy and streamlined application process and rapid pre-approval. Our quick approval process helps your clients get their funding faster

We value integrity

We focus on building long-term relationships. That's why you'll find us communicating honestly and transparently throughout the lending process

Professional staff and systems

Our experienced and knowledgeable staff work hard to provide a positive experience for everyone. We are backed by excellent and professional systems that help streamline the process

Please call me back, I'm interested to work with you

Speak to YDL for expert guidance today

rates & terms

Types of loans we offer

  • Fix and Flip
  • Fix and Hold (Refi by other lenders)
  • Wholesale
  • Transactional (“Double-closings”)

Loan amounts offered

  • $50,000 – $500,000

Loan origination costs

  • 3% – 6% of loan amount

Interest rates

Starting interest rates:

  • 12% for inexperienced borrowers
  • Rates for experienced borrowers based on track record

Credit score guidelines

  • 680 for 1st time borrowers
  • 575 for experienced borrowers

But, each deal will be assessed on its merits so please still apply even if you have a lower score

Do you want to refer a hard money broker?

deal showcase

Are you a hard money broker interested to work with us?


We operate predominantly in Atlanta, Georgia and are also active in the broader South-East region

Single-family and Multi-family houses

$50,000 – $500,000
  • Borrower Identification
  • Signed Sales contract
  • Appraisal (“As is” and ARV)
  • Signed Borrower Credit Application Form
  • Description of deal
  • Proof of credit score
  • 3 month’s bank statements
  • 2 year’s tax returns
  • Certificate of Organization/Articles of Incorporation
  • Company Operating Agreement or Resolution showing individual has authority to bind
  • Rehab Estimate from Contractor

Are you are a hard money broker looking for a reliable lending partner?

contact us

Please let us know if you have a question or would like further information or assistance?

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