Bridge • Close • Move
Bridge Loan
Bridge loans from $75,000 to $3,000,000, starting at 8.75% on 12-18 month terms, for completed and stabilized properties. Underwritten on property income, not personal income.
$75K - $3M
Loan Amount
8.75%
Starting Rate
12-18 Months
Loan Term
70%
Max LTV
Key benefits
Why this structure works.
Cash-Flow Based
Underwriting focuses on property income, not personal income verification.
Fast Closings
Close in 10-14 days with complete documentation.
Interest-Only Payments
Maximize cash flow with interest-only payment structure.
Flexible Exit
Refinance into permanent DSCR loan or sell when ready.
Completed Properties
Designed for completed, stabilized properties with no construction or rehab draws.
Seasoning Flexibility
Bridge the gap while your property seasons for long-term financing.
Lending guidelines
The numbers behind it.
These are the guideline lines we work from. A file is read as a whole, so if something here looks close rather than clean, call and ask.
- Loan Amount
- $75,000 - $3,000,000
- Minimum FICO
- 660+
- Purchase / As-Is LTV
- Up to 70%
- Property Condition
- Completed & Stabilized
- Loan Term
- 12-18 Months
- Interest Rate
- Starting at 8.75%
- Experience
- No Prior Experience Required
- Rehab Draws
- Not Available
What the file needs to clear
The full list, line by line.
- Minimum credit score of 660 required
- Property must be stabilized and generating rental income
- Maximum loan-to-value of 70%
- No construction financing or rehabilitation draws
- No prior real estate experience required
- 12-18 month terms available
- Clear exit strategy required (refinance or sale)
- Property must be in acceptable condition
- Leases must be in place or market rent documented
- Personal guarantee typically required
- Title insurance and hazard insurance required
Where to next
Waiting on the property to season?
A bridge loan covers the gap. When the property has seasoned and is generating rental income, the DSCR program is the one that takes it permanent.