Real estate bridge loans that close in 7-14 days.
Short-term capital to buy, stabilize or reposition a property. Up to 70% LTV on 6-24 month terms.
Refinance or sell on your timeline.
Get your same-day term sheet
A few quick questions. No credit pull.
What is the loan for?
Tap one.
Program snapshot*
- Loan size
- $50K-$20M
- Max LTV
- 70%
- Term
- 6-24 months
- Close in
- 7-14 days
- Foreign investors
- Yes, no SSN
- Rates from
- 9.5%
* Subject to underwriting. Terms as of November 2026. This may be for the strongest files, sometimes with a buydown.
See loan detailsWhat you get
- Close in 7-14 days
- Underwritten on the property. Minimal income documentation.
- Single-family, 2-4 units, multifamily, mixed-use and light rehab
- Interest-only. No prepayment penalty.
- Refinance into a 30-year DSCR loan once stabilized
- Auctions, REOs and discounted off-market deals
- Cross-collateralized facilities for portfolio investors
Term sheet
Same day
Who it's for
- Buying off-market or at auction on a deadline
- Buying a vacant property to rent, then refinance
- Pulling cash out fast for the next purchase
- Improving a property with a clear plan to sell or refinance
- Buying U.S. property from abroad on a deadline
How does a bridge loan work?
Bridge financing is short-term debt backed by the property itself. It runs 6-24 months with interest-only payments, and you repay it in one payment at the exit.
The exit is a sale or a refinance into a 30-year DSCR loan.
Investors use it to close fast, in 7-14 days, when a bank is too slow or the property doesn't qualify yet: a vacant building, a lease-up or a quick resale.
$500,000 purchase
- Loan (70% LTV)
- $350,000
- Your down payment
- $150,000
- Monthly interest at 9.5%
- $2,771
- Repaid at
- Sale or refinance
Illustrative, at the starting rate. This may be for the strongest files, sometimes with a buydown. Points and closing costs not shown. Subject to underwriting.
What you need for a bridge loan
Bridge loans are underwritten on the property and your exit plan, so the document list is short.
Have it ready on day one to close in 7-14 days.
The exit plan matters most: how you repay within the 6-24 month term.
Sell, or refinance into a 30-year DSCR loan once the property is stabilized.
Foreign nationals use a passport for ID. No SSN. No U.S. credit.
Bridge loan checklist
- Signed purchase contract (or a payoff statement for a refinance)
- LLC documents: articles, operating agreement and EIN
- Government-issued photo ID (passport for foreign nationals)
- Recent bank statements for the down payment and reserves
- Rent roll and leases if the property is occupied
- Scope of work and budget if you're renovating
- Your exit plan: sale or refinance
- Your track record, if you have one
Your loan officer confirms the exact list for your deal.
From request to funded
Send the deal
Property, price, exit plan and your experience.
Same-day term sheet
Rate, leverage and points. No hard credit pull.
Close in 7-14 days
Title, valuation and funding.
Frequently asked questions
How does a bridge loan work?
A short-term, interest-only loan secured by the property, for 6-24 months. You repay it in one payment when you sell or refinance into a long-term loan.
What documents do I need for a bridge loan?
A short list: purchase contract, LLC documents, photo ID, bank statements and your exit plan.
Add leases if the property is rented, or a scope of work if you're renovating. Your loan officer confirms the exact list.
Is an appraisal required?
Not always. Most bridge loans use a desktop valuation or BPO to keep the timeline short. Larger deals get a full appraisal.
Can foreign nationals get a bridge loan?
Yes. Bridge loans are open to non-U.S. residents. Many U.S. lenders offer foreign nationals DSCR rental loans only.
No SSN or U.S. credit required. Terms depend on the property and the file, subject to underwriting.
Does credit decide a bridge loan?
No. Credit is one factor. The asset, leverage, experience and exit plan weigh most.
The same-day term sheet prices the whole deal.
Sources
Related
Ready to price your deal?
Term sheet the same business day. No hard credit pull.