7–14 Days
Typical Close
What is a Bridge Loan?
A bridge loan is short-term financing that "bridges" the gap between acquiring a property and securing permanent financing. It's designed for speed — getting you to the closing table in days, not weeks.
Bridge loans are ideal when you need to:
- △ Close quickly on a competitive acquisition before someone else does
- △ Buy a property that doesn't yet qualify for permanent financing (vacant, needs rehab, unstabilized)
- △ Reposition a property — renovate, re-tenant, or rezone — before refinancing into a long-term loan
- △ Pull equity from an existing property while waiting for a refinance to close
- △ Win deals at auction or from distressed sellers who need fast closings
Program Highlights
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Close in 7-14 days — Streamlined underwriting focused on the asset, not your financials.
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Interest-only payments — Keep monthly costs low while executing your business plan.
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No prepayment penalties — Exit when you're ready with no early payoff fees.
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Asset-based qualification — Focus is on the property's value and your exit strategy, not personal income docs.
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Flexible exit strategies — Refinance into a DSCR loan, sell the property, or pay off from another source.
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Foreign national programs — Select lenders offer bridge financing to non-US investors.
Typical Requirements
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Loan-to-Value: Up to 75-85% of as-is value (depends on exit strategy)
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Credit Score: 650+ (asset-focused lenders may flex lower)
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Terms: 12 to 24 months with possible extensions
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Property Types: SFR, multifamily, mixed-use, commercial, land (select lenders)
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Loan Size: $75K to $10M+
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Exit Strategy: Required — refinance, sale, or documented payoff source