Yupcap

Written By
Paul Tracy
Updated August 12, 2020

What is Yupcap?

Yupcap stands for Young Urban Professionals Who Can't Afford Property.

How Does Yupcap Work?

Let's say Jane Doe has a master's degree and is an editorial assistant in San Francisco. She makes $30,000 a year and thus doesn't qualify for a mortgage in the city's high-priced real estate market. She also has a lot of student loans and is three payments behind on her car because she spends too much money eating at restaurants. She is a Yupcap.

Why Does Yupcap Matter?

Yupcaps are usually in their 20s and early 30s. Though they tend to have good educations and bright futures, they have high amounts of debt, little credit history, and little saved, making it tough for lenders to lend to them.