Bridge Loans
Bridge loans for investment property. Close in 10–21 days.
Move fast when the deal demands it. Bridge in 10 days. Asset-based underwriting, interest-only payments, and a closing system that keeps title, insurance, and appraisal on one timeline.
10–21
days to close
75% / 80%
LTV / LTC value-add
6–24 mo
interest-only terms
660+
minimum credit
What a bridge loan is for.
Short-term bridge financing to acquire, stabilize, or reposition an asset before permanent refinance. Common uses: auction purchases, value-add acquisitions, 1031 exchange deadlines, cash-out refis for new acquisitions.
Qualification is asset-based underwriting + exit strategy — we underwrite the asset and your exit, not your tax returns. When the plan is rehab-heavy, see our Fix & Flip program; for 5+ unit assets and maturity situations, see Structured Finance.
Program Summary
When investors call us for a bridge.
Auction & foreclosure purchases
Courthouse steps and online auctions don’t wait for bank underwriting. Asset-based approval with proof of funds when you need it.
1031 exchanges on a clock
45 days to identify, 180 to close. A bridge protects the exchange when permanent financing can’t move fast enough.
Value-add before the business plan
Close on the asset now, stabilize or reposition, then refinance into permanent debt at the improved value.
Equity trapped in a pending sale
Cash-out bridge against owned property so you can move on the next acquisition before the last one closes.
Bridge lending in your market.
Local underwriting context — typical prices, rents, and submarkets — for every market we lend in.
Bridge loan FAQ
How fast can a bridge loan close?+
Most 818 bridge loans close in 10–21 days. The timeline is driven by title work and appraisal scheduling — our closing system coordinates both parties from day one, which is how we compress it.
What leverage do bridge loans offer?+
Up to 75% LTV on standard acquisitions and up to 80% LTC on value-add deals. Pricing and leverage depend on the asset, market, exit strategy, and sponsor profile.
How do you qualify a bridge loan?+
Bridge lending is asset-based: we underwrite the property’s value and your exit strategy — sale, stabilization, or refinance — rather than your personal income. Minimum credit is typically 660, and no tax returns or W-2s are required.
What exit strategies do you accept?+
Sale of the property, refinance into a DSCR or other permanent loan (we can pre-approve the exit on our own DSCR programs), or stabilization followed by agency or bank takeout for larger assets.
On a deadline? So are we.
90-second scenario, no hard pull, reply within 2 business hours. See how we close in 10–21 days.
Not a commitment to lend. All loans subject to credit approval, underwriting, and property qualifications. Terms and programs subject to change. Equal Housing Opportunity. NMLS #2832335.