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Fast Close Transition Capital

Bridge
Loans.

Short term transition capital for stabilized and value add property. Close in days, refinance into permanent debt when the timing is right.

Quote My DealFull Loan Matrix
Program Snapshot
$250K
Min loan
$75M
Max loan
75%
Max LTV
14d
Fastest close
Close in as few as 14 business days
No tax returns, asset based underwriting
Residential and commercial property accepted
Program Overview

Speed When Speed Matters

Bridge loans solve timing problems. A great deal under contract with a 21 day close window. A discounted off market acquisition the seller wants in cash. An expiring 1031 identification. A portfolio with refinance plans you do not want to rush.

Our bridge program is interest only, short term, and underwritten primarily against the asset. We close in days because the file is light: appraisal, title, insurance, and entity. No conventional documentation required.

Bridge is not a destination, it is a connector. Most files refinance into DSCR, multifamily, or commercial permanent debt within 6 to 18 months.

Why Bridge
Common Use Cases
Cash buy a discounted off-market deal. Close before a seasoning period for a DSCR refinance. Bridge a value-add property to stabilization. Cover a 1031 exchange identified property. Recapitalize a portfolio between agency executions.
Loan Matrix

The Numbers, Plainly

Program parameters for DSCR rental financing. Final pricing and structure determined by credit, property, and market underwriting.

Loan Amount
$250,000 to $75,000,000
Max LTV
75%Stabilized property; 70% on value add
Max LTC
85%For value add scenarios
Loan Term
6 to 36 monthsExtensions available
Amortization
Interest onlyNo principal payments during term
Minimum FICO
650Lower considered with strong asset and exit
Property Types
Residential, commercial, mixed useSee eligibility below
Eligible Entities
LLC, LP, S Corp, C Corp, TrustPersonal guaranty required
Close Speed
As few as 14 days21 to 30 days more typical
Prepay Penalty
Step down or minimum interest3 to 6 months minimum interest typical
Note: Matrix represents typical program parameters. Actual terms vary by state, property type, occupancy, and credit profile. Cash out limits, seasoning requirements, and reserves vary by transaction. A formal term sheet will reflect final terms after preliminary underwriting.
Eligible Property

Asset Types We Bridge

Single Family Rental

Discounted purchase that needs to close before DSCR financing is ready.

Multifamily Value Add

Acquire below market apartment buildings and stabilize before agency takeout.

Mixed Use

Retail with apartments above. Bridge to stabilization, then permanent debt.

Office and Retail

Stabilized commercial bridging to permanent or buying time to lease up.

Industrial and Flex

Light industrial and flex acquisition bridge to long term CMBS or portfolio.

Portfolio Recapitalization

Refinance several stabilized assets into one bridge facility, then term out.

Not eligible: Owner occupied homes, raw land, agricultural property, special use without a clear exit, ground up construction.
Confirm your property
Who Uses It

Built for Time Sensitive Capital

Bridge is the right tool when speed, structure, or seasoning constraints make permanent debt impossible right now.

1

Cash buyers needing leverage post close

Buy with cash to win the deal, then bridge out to release liquidity for the next acquisition.

2

1031 exchange buyers

Hit a tight identification or close window without relying on a conventional timeline.

3

Pre stabilization operators

Bridge a value add multifamily or commercial asset to NOI growth, then refinance into agency or CMBS.

4

Cash out bridge for time sensitive capital

Pull equity from a stabilized asset on a short timeline. Refinance into permanent DSCR or commercial debt once the urgency has passed.

5

Portfolio recapitalization

Refinance 5 to 50 properties under one bridge facility before a planned permanent execution.

How It Closes

Typical Bridge Timeline: 14 to 30 Business Days

01
Week 1

Quote

Submit deal. Verbal terms in hours, term sheet within 24.

02
Week 1

Application + Appraisal

Application signed, appraisal ordered, title and insurance kicked off.

03
Week 2

Underwriting

Light file review focused on asset value, title, and exit plan.

04
Week 3 to 4

Close + Fund

Docs to title, signed, funded same day.

Bridge Questions

Frequently Asked

How is a bridge loan different from hard money?+
There is overlap. Bridge is a structural term describing short term, asset based debt connecting two events. Hard money is a pricing tier. Our bridge program is typically priced below traditional hard money because of institutional capital sourcing, but the speed and underwriting flexibility are similar.
What rates should I expect?+
Bridge pricing runs roughly 8.5% to 11% depending on leverage, asset class, and borrower profile. Stabilized residential at lower leverage prices toward the bottom. Heavy value add commercial prices higher.
How fast can a bridge file actually close?+
As few as 14 days when the file is clean: appraisal ordered immediately, title responsive, entity formed, insurance bound. Realistically 21 to 30 days is more typical. The fastest closes we see are repeat borrowers with familiar markets and asset types.
What about exit strategy?+
Every bridge file is underwritten to its takeout. We need to see how you plan to refinance or sell. We can quote the takeout up front (DSCR, multifamily, commercial permanent) so the full strategy lines up before we close the bridge.
Do you require interest reserves?+
For value add and pre stabilization files, often yes. Interest reserves cover monthly payments through the lease up or stabilization period. Reserves are typically 6 to 12 months of interest held at closing.
What if I need to extend?+
Most files have 6 month extensions available at closing for a 0.5 to 1% fee. Beyond the second extension, case by case.
Is bridge available on owner occupied property?+
No. Our bridge program is for investment property only. Owner occupied bridges fall under consumer mortgage regulation we do not operate in.
Related Programs

Other Programs

View all programs
Long Term

DSCR Rental

1 to 4 unit long term rental

Short Term

Fix and Flip

Short term rehab capital

5+ Units

Multifamily

5+ unit residential

Get Started

Time Sensitive Deal?
Let's Move.

Tell us the deadline. Verbal terms in hours, signed term sheet in 24.