Single Family Residential Short Term Bridge Loan

In real estate financing, “experience” is what matters most. We can arrange financing for any loan. We also have the flexibility to tailor the right loan product for the borrower, through our investor network of over 3000 lenders.

Our highly trained, knowledgeable staff examines each transaction to place it in the best program based on your unique scenario. We understand the complexity of any transaction in today’s market and most importantly, we have the relationships with lenders, investors and banks to close deals efficiently and quickly.

Fix and Flip Loans

Loan Criteria

Property Type Single Family Residential (1-4 Units Per Property)
Stabilized, non-owner occupied rental properties only
Single Properties
Up to 10 property portfolios
All properties must be in the same county
Minimum occupancy requirements:
For ≤9 units: 80%
For 10 units: 90%
Loan Amount Maximum Loan amount:
No Cash-Out: $2,500,000
With Cash-Out: $1,500,000
Maximum Cash-Out: $500,000
Minimum Loan Amount: $100,000
Loan Purpose Purchase
Delayed Purchase
Rate/Term refinance, no cash-out
Rate/Term refinance, with cash-out
*Loans within 6 months of an all cash purchase may use ‘Purchase’ terms.
Loan Type Term: 30 Years
Fixed Rate, P&I payments
30 year fixed rate, fully amortizing
Adjustable Rate Mortgage (ARM), IO payments (70% MAX LTV)
10/6 ARM, IO for 10 years, then P&I on a 20 year am
7/6 ARM, IO for 10 years, then P&I on a 23 year am
5/6 ARM, IO for 10 years, then P&I on a 25 year am
Property Value Maximum property value
A. 1 unit: $3,000,000
B. 2-4 units: $5,000,000
Minimum property value: $75,000
Eligible Property Types Single family detached
2-4 units attached
Planned unit development (PUD)
Mixed-use with > 50% residential use by square footage
For STVR’s, appraised long term rents will be used for DSCR calculations
Ineligible Property Types Lots of 20 acres or more
Manufactured or Modular homes
Log homes
Lending Locations All states except: ID, NV, ND, SD, UT, VT
No rural locations
Prepayment Penalty Options Yeild Maintenace options: 5, 4 , 3 , 2, 1 step down available
Maximum LTV Purchase Rate Refi or Cash Out Rate Refi w/$100k Cash Out
Fico\DSCR > = 1.20x 1.0x-1.19x > = 1.20x 1.0x-1.19x > 1.25x
> = 740 80% 75% 75% 75% 80%
720-739 80% 75% 75% 70% 80%
700-719 75% 75% 75% 70% 75%
680-699 70% 70% 65% 65% 65%
660-680 NA NA NA NA NA

Tell Us About Your Project