How short is short-term?

Bridge terms are typically measured in months rather than years, and are written around your stated exit. The lender sets the actual term.

Can a bridge loan be extended?

Often, on terms agreed with the lender, and usually at a cost. Ask about extensions at application rather than in the final month.

Do you bridge owner-occupied homes?

No. This is investment and business-purpose lending only. If the property is your residence, a conventional broker is the right route.

Single-Family Bridge Loans for Investors

When a bridge is the right instrument

Bridge money is expensive compared with a bank and cheap compared with losing a deal. The question is never whether the rate is higher -- it is whether the opportunity survives a 45-day underwriting cycle. If it does, use a bank.

Buying before selling

You need the next property now and your capital is tied up in one that has not closed yet.

Waiting on a refinance

The long-term loan is coming but the purchase cannot wait for it.

Seasoning requirements

A conventional lender wants the property held for a period before they will refinance it. A bridge covers that window.

Auction and short-window purchases

Where funds have to be demonstrable in days rather than weeks.

How a bridge loan is underwritten

Because there is no renovation to judge, the lender concentrates almost entirely on the asset and the exit. They want to know what the property is worth today and precisely how the loan gets repaid.

The exit is the whole file

Sale, refinance, or a specific event. 'I will figure it out' is not an exit and will be treated as one risk too many.

Current value, not future value

Unlike a flip loan, there is no after-repair value to lean on. Today's value sets the leverage.

Timeline realism

If your exit depends on a refinance, the lender will want to believe that refinance is actually achievable.

The cost of a bridge, considered properly

Compare the total cost of the bridge against the cost of not doing the deal, not against a 30-year mortgage rate. Those are different questions, and confusing them is how investors talk themselves out of profitable deals and into unprofitable ones.

Interest plus points plus time

Model the full carry for the realistic term, not the optimistic one.

Exit penalties and extensions

Ask what an extension costs before you need one.

What a bridge enquiry needs from you

Because there is no renovation to evaluate, a bridge file is short — but the exit has to be evidenced rather than described. That is the part enquiries most often arrive without.

The property address, current value, and what is owed against it now.
Exactly how the loan is repaid: a sale, a refinance, or a specific dated event.
If the exit is a sale, the listing or contract. If a refinance, who is doing it.
The date you need funds, and the date you expect to exit.
Any existing liens, judgments or title issues you already know about.

Tell us about this deal

No fee to submit it, and no obligation once terms come back.

Questions investors ask about this product

How short is short-term?: Bridge terms are typically measured in months rather than years, and are written around your stated exit. The lender sets the actual term.
Can a bridge loan be extended?: Often, on terms agreed with the lender, and usually at a cost. Ask about extensions at application rather than in the final month.
Do you bridge owner-occupied homes?: No. This is investment and business-purpose lending only. If the property is your residence, a conventional broker is the right route.

Before you apply

We are a connector, not the lender. We place your deal with private and hard money lenders who fund this profile; they underwrite it, approve it and set the terms. We will not quote a rate, points or leverage before a lender has read the file, and we do not use the word approved. If the deal does not fit private lending, we would rather tell you on the first call — see how the process works for the short version.

Bridge loans for the gap between one closing and the next