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.