Stabilized bridge
Real estate bridge loans for investors
For a renovated or new property that’s on the market or being leased: repay a rehab loan nearing maturity, or buy a finished home fast.
- Up to 70% of value
- No cash-flow test on renovated homes
- No prepayment penalty
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We’ll review your deal and call you back. If it’s urgent, call 310-654-1577.
Bridge loan terms
- Loan vs. as-is value
- Up to 70%
- Loan vs. your cost
- Up to 90% for homes purchased within 6 months
- Loan amount
- $50K – $3M
- Term
- 12-month term, interest-only a 6-month extension available for a fee
- Cash-flow test
- None on renovated homes 1.10 DSCR otherwise
- Prepayment penalty
- None
- Credit score
- From 660 680 for newer investors
Program maximums for finished 1–4 unit investment property. Not a commitment to lend. Program guidelines current as of November 2026.
What is an investor bridge loan?
A bridge loan for investors is a short-term, interest-only loan on a finished property that’s for sale or being leased but not yet ready for a long-term loan. It repays a maturing rehab or construction loan, or lets you buy a finished property fast, and it’s paid off when the property sells or is refinanced.
If you bought the property within the last six months, the loan is based on your total cost: up to 80% for newer investors and up to 90% for experienced investors on renovated homes. After six months, the appraised value is used.
Two kinds of bridge loan
The property’s condition decides whether a cash-flow test applies.
| Renovated | Not fully updated | |
|---|---|---|
| Typical use | Finished flip or new build listed for sale or for rent | Move-in-ready property with no deferred maintenance that’s being leased before a long-term loan |
| Cash-flow test | None | 1.10 DSCR at exit |
| Experience | Not required (680+ credit) | At least one completed project in 3 years |
| Maximum leverage | Up to 90% of cost, within 70% of value | Up to 85% of cost, within 70% of value |
What you’ll need
- Your LLC or corporation borrows, and its owners personally guarantee the loan
- The listing agreement or the leases, your closing statement from the purchase and the renovation receipts
- A payoff statement for any existing loan
- Entity documents: articles, EIN letter, operating agreement, certificate of good standing
Send me the property first
Tell me the address, your total cost, the list price or rent and the payoff on your current loan. I’ll tell you what the property can support and what closing takes.
State rules for bridge loans
- Available in the states we serve, except Lee, Charlotte, Sarasota and Collier counties in Florida.
- Florida and Travis, Harris and Bexar counties in Texas: 3+ completed projects, 680+ credit, up to 65% of value.
- Chicago (Cook County), Gary, Baltimore, Memphis, St. Louis and Cleveland: 3+ completed projects, 680+ credit, loans up to $1M.
- Property in California? You can also meet us in Burbank: bridge loans in California at West Coast Capital Mortgage.
Questions about bridge loans
When does a bridge loan make sense?
When a finished flip or new build is on the market but hasn’t sold, a rehab loan is about to mature, or a rental is being leased up before its long-term loan.
Can a bridge loan refinance my existing hard money loan?
Yes, once the project is finished.
Hard money loan or bridge loan?
A hard money loan buys and renovates the property. A bridge loan is short-term money on a finished property: it pays off the rehab loan or buys a finished home and gives you up to 12 months to sell or lease.
How is the loan sized for a property that’s listed for sale?
On the lower of the list price or the appraisal, or on your cost if the purchase was within the last six months.
Do I need experience?
Not for renovated homes with 680+ credit.
What credit score do I need?
From 660, or 680 for newer investors.
What happens after the bridge loan?
Sell the property, or refinance into a 30-year DSCR or portfolio loan once it’s rented. There’s no prepayment penalty.
Do I need an LLC or corporation?
Yes. Your LLC or corporation is the borrower, and you can form the entity before closing.
Which states do you lend in?
Many states. California, Florida and Texas are our main markets; for a property anywhere else, check availability: tell us the state and the loan you need, and we’ll confirm what’s available.
Other loan programs
Need to bridge a finished property?
Share the address, your cost, the list price or rent and the payoff to hear what the property supports and what closing requires.