Bridge Loans for Real Estate Investors
Short-term capital for acquisitions, transitions, and time-sensitive deals. Move fast when opportunities arise.
What Is a Bridge Loan?
A bridge loan is short-term financing — typically 6 to 24 months — that provides immediate capital while a longer-term solution is arranged. Bridge loans are commonly used by real estate investors to acquire properties quickly, complete renovations, or transition from one financing structure to another.
Common Bridge Loan Scenarios
Property Acquisition
Secure a property quickly before securing long-term financing. Ideal for competitive markets where speed matters.
Fix-to-Rent Transition
Fund renovation, then refinance into a DSCR loan once the property is stabilized and leased.
Cash-Out Before Sale
Access equity in a property you’re selling before close, enabling you to deploy capital into your next deal.
Portfolio Restructuring
Refinance multiple properties or transition from hard money into cleaner long-term structures.
Bridge Loan Program Overview
Loan Term
6 – 24 months
Loan-to-Value
Up to 75% LTV (purchase or refinance)
Property Types
1-4 unit, multifamily, mixed-use, commercial
Credit Requirements
Typically 620+ minimum FICO
Speed to Close
As fast as 10–21 business days
Entity Borrowing
LLC and entity structures accepted
Bridge vs. DSCR: Which Do You Need?
Bridge Loan
- Property needs renovation or stabilization
- You need to close in days, not weeks
- Transitioning to permanent financing
- Short hold strategy (exit within 12–24 months)
DSCR Loan
- Property is stabilized and cash-flowing
- Long-term hold strategy (30-year term available)
- Qualify based on rental income, not personal income
- Lower rates vs. short-term bridge
Ready to Move on Your Next Deal?
Submit your scenario and we’ll identify the right bridge structure for your timeline.
Business-purpose lending only. Not a bank. Not a direct lender. NMLS #2484887.
If you’re evaluating bridge loans for real estate investors, understanding how DSCR loan requirements and current rates compare to short-term bridge pricing is critical. Use our DSCR calculator to model your long-term refinance exit.
How Bridge Loans for Real Estate Investors Work
Bridge loans for real estate investors provide fast, short-term capital that fills the gap between acquiring a property and securing permanent financing. Unlike traditional bank loans, bridge financing focuses on the asset’s value and exit strategy rather than personal income documentation.
For investors using the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat), bridge loans are the critical first step. You acquire and renovate with short-term capital, then refinance into a DSCR loan once the property is stabilized. Need renovation capital? Our fix-and-flip loan programs cover purchase plus rehab costs.
Once your property is leased and cash-flowing, you can exit the bridge loan through a cash-out refinance to pull equity and redeploy into your next deal. Check our DSCR loan requirements to see if your stabilized property qualifies, or get pre-qualified to start the process. Upload your deal documents through our Secure Upload portal.
Learn more about how bridge financing works in real estate from the Investopedia guide to bridge loans.
Need fast capital for your next deal?
Get a same-day bridge loan quote from our capital desk.
Related Investor Resources
- 📊 DSCR Loan Rates — See current investor loan pricing
- 🧮 DSCR Loan Calculator — Run your numbers instantly
- 📋 DSCR Loan Requirements — Full qualification breakdown
- 💰 Cash-Out Refinance — Unlock equity from your rentals
- 🔨 Fix and Flip Loans — Short-term financing for renovations
Ready to move forward? Submit your deal for review or upload your documents to get started.