Bridge Loan Financing
Short-term financing for the purchase, refinance, or cash-out of qualifying non-owner-occupied investment properties.
Flexible Capital for Time-Sensitive Opportunities
Bridge financing can help real estate investors purchase, refinance, or access equity from qualifying non-owner-occupied investment properties without relying on traditional income documentation.
We review the property’s as-is value, borrower qualifications, requested leverage, and exit strategy to identify an appropriate short-term financing option.
- Purchase, refinance, and eligible cash-out requests
- Financing based primarily on the property and exit strategy
- Interest-only payment structures may be available
- Short-term financing designed around a defined exit
Up to 80% LTV*
Maximum purchase leverage is reviewed against the property’s as-is value and total acquisition cost.
Up to 75% LTV*
Refinance options may help replace existing financing or resolve an upcoming maturity.
Up to 70% LTV*
Eligible borrowers may access property equity for another investment or business purpose.
650+ FICO*
Credit, experience, property, liquidity, and exit details affect available terms and pricing.
*Maximum leverage and eligibility are not guaranteed. Guidelines vary by borrower, property, loan purpose, location, and lending partner.
When Bridge Financing May Be a Fit
Bridge loans are designed to solve short-term financing needs while the investor works toward a defined sale, refinance, or longer-term financing strategy.
Acquire an Investment Property
Short-term acquisition financing can help an investor close on a qualifying property when timing or flexibility is important.
Replace Maturing Financing
A bridge refinance may provide additional time to sell, stabilize, season, or qualify for permanent financing.
Access Available Equity
Cash-out financing may allow eligible investors to access property equity for another qualifying business or investment purpose.
From Scenario Review to Closing
A clear property profile and realistic exit strategy help us identify the most appropriate bridge financing options.
Submit the Scenario
Provide the property, requested loan amount, purchase or payoff information, value, timeline, and intended exit.
Review Available Options
We review the borrower and property against available lending programs and current guidelines.
Complete Due Diligence
The selected lending partner completes valuation, title, underwriting, documentation, and closing requirements.
Bridge Loan or Fix & Flip?
A bridge loan is generally a better fit when the property is already in financeable condition and the primary need is acquisition, refinance, cash-out, or additional time before a planned exit.
A fix and flip loan is generally more appropriate when the project includes a defined renovation budget and the borrower wants financing consideration for eligible improvement costs.
What We Look at First
Bridge financing is evaluated around the complete borrower, property, and exit profile.
Property Value
The current as-is value and the requested loan amount help determine available leverage.
Loan Purpose
Purchase, refinance, and cash-out requests can have different maximum leverage guidelines.
Borrower Profile
Credit, experience, available liquidity, and entity structure affect eligibility and terms.
Exit Strategy
The plan to sell, refinance, stabilize, or transition the property must support the requested term.
Bridge Loan FAQs
General answers about submitting an investment-property bridge loan.
What is a bridge loan?
A bridge loan is short-term financing intended to help an investor purchase, refinance, or access equity from an investment property while working toward a defined exit, such as a sale or long-term refinance.
What property types may qualify?
Programs may be available for qualifying non-owner-occupied single-family residences, townhomes, condominiums, two-to-four-unit properties, and selected multifamily or mixed-use properties. Guidelines vary by lending partner.
Are bridge loan payments interest-only?
Interest-only payment structures are commonly available for short-term bridge loans. The final payment structure depends on the selected program and underwriting approval.
Can I use a bridge loan for renovations?
Minor improvements may be acceptable, but a project involving a substantial renovation budget may fit a fix and flip or value-add program better. Submit the scope of work so the options can be reviewed.
Can I refinance an existing loan?
Yes. Eligible rate-and-term and cash-out refinance requests can be reviewed based on the property value, existing payoff, seasoning, borrower qualifications, and intended use of proceeds.
Do I need tax returns or income verification?
Many business-purpose bridge programs focus primarily on the property and exit strategy rather than traditional personal-income documentation. Additional documentation may still be required depending on the scenario.
How quickly can a bridge loan close?
Timing depends on the property, appraisal or valuation, title, insurance, borrower documentation, and lending partner. A complete submission helps prevent avoidable delays.
What is an acceptable exit strategy?
Common exits include selling the property, refinancing into long-term rental financing, paying the loan from another documented liquidity event, or completing an approved stabilization plan.
Have a Property That Needs Bridge Financing?
Submit the property, requested loan amount, current value, financing purpose, timeline, and exit strategy for a preliminary review.
Borrowers Capital LLC is a private lending broker and capital placement resource, not a direct lender. This information is for general informational purposes only and is not a commitment to lend or an offer of credit. Programs, rates, leverage, loan amounts, terms, and eligibility are subject to change and depend on borrower qualifications, property, loan purpose, location, due diligence, underwriting, and final approval by the lending partner.