Regarding youngsters I've had decent batches in FM when my facilities were improved from good to good (

) but that was 5.0.2.
My current facilities at Sestao are only adequate, so I cannot tell you if 5.0.5 does also throw them at you like 5.0.2 did.
That means I have to rely on rejects from the big basque clubs (the less good ones) and veteran, war-scarred old players on their last season before retirement, which is quite realistic for a team like mine.
And regarding loans: Loans? What are those? I cannot loan a player even if I want to, but with my current reputation that isn't a surprise.