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Residential Rental Bridge Loans (1 to 4 Units)

Interim financing when you need a fast close and minimal or no rehab is planned

Non-owner occupied single family homes, duplex, triplex, quads, warrantable condos and townhomes 

Fast closing, exterior only valuations 

Cash-Out, refinance and purchase up to 80% LTV

Rates as low as 6.75%

Interest only

13, 19 and 24 month term options

No upfront fees, tax returns or income verification

Fast, streamlined funding in 3 to 6 weeks

  • Nationwide (primary, secondary and rural)
  • Loan amount: $500,000 to $5 million per property
  • Portfolio loan amounts : $75,000 to $5 Million per property
  • Cash-out or refinance 80% of appraised value @720+ credit (75% @680 to 720; lower LTV @620 to 680)
  • Finance 80% of purchase price
  • Rent ready vacant properties financed based on market rents
  • For cash-outs: no monthly payments due until 4th month after loans close (3 months PITA escrowed)
  • 13, 19 and 24 month term options
  • 620+ middle FICO credit score
  • Origination: varies
  • No prepayment penalities or minimum interest
  • Close in LLC, corporation or partnership name
  • Non-recourse option for experienced clients (add 25-50 bps to rate) with typical bad boy carve-outs
  • Must be on less than 2 acres, 700+ square feet per unit and no rehab required
  • No bankruptcy, foreclosure, short sales or deed in lieu in last 3 years
  • Subordinate debt permitted case-by-case
  • Ineligible properties: condotels, mobile homes, timeshares, commercial, mixed-use, manufactured homes, working farms or ranches 
  • Warrantable condos must be 50% owner occupied, HOA dues 15% max 60 days past due and no more than 20% owned by one person
  • In-house loan servicing
  • Streamlined underwriting
  • Funding in 3 to 6 weeks 

To submit your online loan request, please click the blue GET FUNDED Link for your PRE-APPROVAL Term Sheet within 48 business hours. With a few clicks of your mouse it TAKES LESS THAN 6 MINUTES to submit. No upfront fees, tax returns, income verification, credit cards, Social Security Numbers or credit checks required for PRE-APPROVAL.

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