Bridge Loan
Short-term funding that helps investors purchase or improve a property while waiting for another to sell.
Max Allowed (with excess first loss)
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Loan to cost (LTC)
Max 90%
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Minimum Loan Amount
$50,000*
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Loan to value (LTV)
Max 75% with Approval
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Loans
Max 12 Months
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Min. FICO score
650*
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Up to 90% LTV on "as is" and
up to 75% ARV
✅ Pros
- →Fast closings (often 7–14 days)
- →Flexible underwriting (less emphasis on income, more on asset)
- →Interest-only payments → better short-term cash flow
- →Great for competitive markets (acts like cash)
- →Can be used for stabilization before refinance
❌ Cons
- →Higher interest rates (typically 8–12%+)
- →Short terms (6–24 months)
- →Origination fees (1–3+ points)
- →Requires a clear exit strategy (refi or sale)
- →Risk if market shifts or refinance falls through
Best for:Quick acquisitions, distressed properties, or timing gaps