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.
Are you a broker interested to work with us?
Why Borrowers Like Us
Attractive proposition for brokers
Please call me back, I'm interested to work with you
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rates & terms
Types of loans we offer
- Fix and Flip
- Fix and Hold (Refi by other lenders)
- Transactional (“Double-closings”)
Loan amounts offered
- $50,000 – $500,000
Loan origination costs
- 3% – 6% of loan amount
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?
Are you a hard money broker interested to work with us?
Single-family and Multi-family houses
- 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?
Please let us know if you have a question or would like further information or assistance?