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Purchase, cash out, and refinance

Bridge
Loans.

Short-term capital when you need to pull equity, refinance, or close fast on a purchase. Especially strong on luxury single family rentals, with the same program on multifamily and commercial.

Get a QuoteSee typical terms
Program Snapshot
$250K
Min loan
$15M
Max loan
75%
Max LTV
10d
Fastest close
Close in as few as 10 business days
BPO often accepted instead of a full appraisal
Tax returns often not required. We look at the property
Purchase, cash out, and refinance on investment property
Luxury SFR, multifamily, commercial, and mixed use
Program Overview

Speed When
You Need It

Most bridge deals we see are cash out or refinance: pulling equity from a stabilized asset, recapitalizing after a cash purchase, or bridging to permanent debt before a conventional loan can close. Purchases come up too, especially on luxury single family rentals where speed wins the deal.

Bridge loans are interest only and short term. We look mainly at the property and your exit plan. Closings can often happen in days because the paperwork is lighter: a BPO or appraisal when needed, title, insurance, and your entity. Conventional tax returns are often not required.

Bridge is meant to be temporary. Most people refinance into a DSCR, multifamily, or commercial loan within 6 to 18 months.

Why Bridge
Common Use Cases
Cash out equity from a stabilized rental or commercial asset. Buy with cash to win the deal, then bridge out to free capital. Close fast on a luxury single family purchase or 1031 exchange. Bridge multifamily or commercial to stabilization. Recapitalize a portfolio between permanent loans.
Typical terms

What you can typically borrow

These are typical ranges, not a quote. Your rate and timeline depend on the property, your credit, and whether you need cash out, a refi, or a purchase close.

Loan Amount
$250,000 to $15,000,000
Max LTV
75%
Max LTC
85%For value add scenarios
Loan Term
6 to 36 monthsExtensions available
Amortization
Interest onlyNo principal payments during term
Minimum FICO
600Lower considered with strong asset and exit
Property Types
Residential, multifamily, commercial, mixed use
Eligible Entities
LLC, LP, S Corp, C Corp, TrustPersonal guaranty required
Close Speed
As few as 10 business days~20 days more typical
Prepay Penalty
Usually noneMinimum interest may apply on select deals
Note: These are typical terms. Your quote can change by state, property type, occupancy, and credit. Cash out limits, seasoning, and reserves vary.
Need bridge capital fast?
Purchase, cash out, or refinance. Tell us about the property and we can often send a quote the same day.
Get a Quote
Property types

Property types we like

Especially strong on luxury single family rentals and vacation homes. The same bridge program works on multifamily, commercial, and mixed use.

Luxury Single Family Rental

High-end homes for purchase, cash out, or refinance. Close fast on a $750K to $5M+ deal, then term out into DSCR.

Multifamily Value Add

Acquire below market apartment buildings, cash out stabilized units, or bridge to stabilization before a permanent refinance.

Mixed Use

Retail with apartments above. Bridge to stabilization or cash out equity, then move into permanent debt.

Office and Retail

Stabilized commercial for cash out, or bridging to permanent while you lease up.

High-End Vacation Rental

Luxury Airbnb and VRBO in destination markets. Purchase, cash out, or bridge while income documentation catches up.

Portfolio Recapitalization

Refinance several stabilized assets into one bridge facility, cash out equity, 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 this is for

Built when you need
to move fast

Use bridge for cash out, refinance, or purchase when a long-term loan cannot close in time, or the property is not quite ready for one yet.

1

Cash out bridge for time sensitive capital

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

2

You bought with cash and want money back out

Buy with cash to win the deal, then bridge out to release liquidity for the next acquisition. Common on luxury single family homes and off-market deals.

3

1031 exchange buyers

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

4

The property is not fully rented yet

Bridge an apartment or commercial property while you lease it up, then refinance into a longer-term loan.

5

Portfolio recapitalization

Refinance 5 to 50 properties under one bridge facility, cash out equity, then move into a planned permanent loan.

How It Closes

Typical Bridge Timeline: 10 to 30 Business Days

01
Week 1

Quote

Share the property. We often have verbal terms in hours and a written quote within a day.

02
Week 1

Application + Valuation

Application signed, BPO or appraisal ordered as needed, title and insurance kicked off.

03
Week 2

Underwriting

A focused review of asset value, title, and your exit plan.

04
Week 3 to 4

Close + Fund

Documents go to title, get signed, and funding often happens the same day.

Need cash out or a fast close?
Share a few details and we will confirm whether we can hit your timeline.
Get a Quote
Bridge Questions

Frequently Asked

Do you offer luxury investment property bridge loans?+
Yes. We are especially active on luxury single family rentals and high-end vacation homes for cash out, refinance, and fast purchase closes. Multifamily, commercial, and mixed use bridge loans run through the same program.
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 luxury single family rentals at lower leverage usually price toward the bottom. Heavy value add commercial prices higher.
How fast can a bridge loan actually close?+
As few as 10 business days when the deal is clean: valuation ordered right away, title responsive, entity formed, insurance bound. Realistically ~20 days is more typical. The fastest closes we see are repeat borrowers with familiar markets and asset types.
Do I always need an appraisal?+
No. On many bridge deals we can use a BPO instead of a full appraisal. That is usually faster and often enough for underwriting. Full appraisals are still required on some deals depending on loan size, property type, and lender.
What about exit strategy?+
Every bridge loan is underwritten to its exit. We need to see how you plan to refinance or sell. We can quote the permanent loan up front (DSCR, multifamily, commercial) so the full strategy lines up before we close the bridge.
Do you require interest reserves?+
For value add and pre stabilization deals, 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 loans 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

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Long Term

DSCR Rental

1 to 4 unit long term rental

Build

Residential Ground Up Construction

Residential ground up capital

5+ Units

Multifamily

5+ unit residential

Get Started

Need Cash Out or a Fast Close?
Let's Move.

Tell us the property and your timeline. We often have verbal terms in hours and a quote within a day.