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Bridge Loans

Fast, Flexible Capital for Immediate Real Estate Opportunities

 

When a traditional bank’s timeline takes months, you can lose out on prime real estate deals. Our Bridge Loan Product is designed for real estate investors who need to move quickly, secure properties, or unlock capital from existing assets without the wait.

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Whether you are looking to acquire a new property before selling an existing one, or need short-term financing to bridge a gap, this balance-sheet nationwide product provides the speed and agility you need.

Image by Andrea Qoqonga

Bridge Loan Program Highlights

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  • High Leverage: Up to 80% LTV (Loan-to-Value) available for both purchase and cash-out refinancing.

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  • Property Flexibility: Applicable on 1 to 10-unit residential properties.

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  • Substantial Loan Amounts: Financing options ranging from $250,000 to $15,000,000.

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  • Modern Strategies Welcomed: We fully support and finance properties utilizing Short-Term Rental (Airbnb/VRBO) and PadSplit models.

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  • Short-Term Flexibility: Tailored for temporary financing needs with loan terms available from 12 to 24 months.

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  • Maximize Cash Flow: Features an Interest-Only (IO) payment structure, keeping your monthly overhead low while you execute your strategy.

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  • Competitive Origination Fees: Low upfront costs ranging from 0% to 2% based on your loan structure.

Requirements to Qualify

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  • Minimum Credit Score: 680.

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  • Asset-Driven Underwriting: Because this is a short-term bridge product, qualifications are primarily driven by the property's value and exit strategy, bypassing traditional bank hassles like debt-to-income (DTI) limits and employment verification.

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  • Note on Credit Pulls: While standard credit review processes are utilized, initial evaluations can be discussed transparently to protect your timeline.

Common Use Cases for Bridge Financing

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  • Quick Acquisitions: Close on a property in days, not months, ensuring you win competitive bidding wars.

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  • Buy Before You Sell: Secure your next investment property immediately while waiting for a current asset to sell or flip.

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  • Property Transitions: Stabilize or lightly transition a property before rolling it into a permanent, long-term financing solution (like a DSCR loan).

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