When a bridge loan fits
Bridge loans shine in time-sensitive scenarios where conventional financing is too slow. Common uses include buying a new property before selling an existing one, securing an auction or off-market deal quickly, or funding a reposition before longer-term financing takes over.
How they're structured
Bridge loans are short-term (often 6–24 months) and asset-based, underwritten on the property value and your exit strategy rather than personal income. They typically carry higher rates than long-term loans, which is the trade-off for speed and flexibility.
- •Short terms with a clear exit plan
- •Asset-based underwriting for speed
- •Interest-only payments during the term
- •Often used as interim financing before a refinance or sale
Have an exit plan
Because bridge loans are short-term, lenders want to see how you'll pay them off — usually a sale, a refinance into a DSCR or long-term loan, or another defined event. A credible exit strategy is central to qualifying.
Who this is for
Investors who need to move on a deal before permanent financing can be arranged, or who need short-term liquidity between transactions.
Typical next steps
Share the deal, your timeline, and your exit strategy. We can outline a bridge structure and the path to take-out financing so your plan is fully mapped.
Frequently Asked Questions
Are bridge loans expensive?
They typically cost more than long-term loans because of the speed and short term. Many investors accept that as the price of acting quickly, then refinance out.
What's the typical term?
Most bridge loans run 6 to 24 months. Some allow extensions. Terms depend on the lender and the deal.
Can I refinance a bridge loan later?
Yes — refinancing into a DSCR or long-term loan is a common exit. Having that take-out plan lined up strengthens your file from the start.
Real Estate Funding Path
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