Bridge loans for fix-and-flip operators and BRRRR investors who need to move fast. Interest-only. Up to 90% LTC. Exit into our DSCR product with the same team — no handoff friction.
A bridge loan is short-term capital that lets you buy or renovate before your permanent financing is in place. It "bridges" the gap between the deal you want to do and the long-term loan you'll exit into.
Bridge loans are interest-only, which keeps your monthly payment lower during the hold. They're priced higher than permanent loans — typically 11–14% — which is why exiting into a DSCR as quickly as possible is almost always the right move.
Most of our bridge borrowers exit into our DSCR product. Same team, same system, no handoff friction.
Day 1
You take ownership. Renovation begins or property is stabilized. Interest accrues daily.
Month 1–6
Interest-only payments. Every day in the bridge costs money — the goal is to exit efficiently.
Month 3–9
Property is stabilized, tenant is in, rent is confirmed. We start the DSCR underwrite in parallel.
Exit
Long-term DSCR loan replaces the bridge. Monthly payment drops. You pull equity out if eligible.
Fix & Flip
Buy at below-market, put in the work, sell at ARV. Bridge capital covers the purchase and the renovation budget in one loan.
Sample deal math
BRRRR Strategy
Buy distressed with bridge, renovate, place a tenant, then refinance into a long-term DSCR to pull out equity and repeat the cycle.
Sample deal math
Most bridge lenders hand you off to a different lender for the permanent financing. We don't. The same team that closed your bridge underwrites your DSCR exit — no new application, no starting over, no handoff risk.
When your property is stabilized, drop us a note. We initiate the DSCR underwrite in parallel with the appraisal — no committee, no queue.
Your entity docs and bank statements carry over. The main addition is an updated insurance binder and the signed lease if the property is occupied.
Once you're 6 months into the bridge, you can exit into DSCR without a prepayment penalty. We're aligned with your incentive to refinance quickly.
over 31 days by exiting the bridge
Interest-only. Short-term. Built to exit fast.
Bridge → DSCR
$990,000 @ 12%
Exited bridge after 31 days. Cash-out at DSCR close. No prepay penalty.
BRRRR
$312,000 @ 12.5%
Full BRRRR cycle. Tenant placed, DSCR refi at 75% ARV, equity recycled.
Fix & Flip
$185,000 @ 11.5%
SFR distressed purchase. Sold at ARV. Same-week underwriting decision.
Purchase price, renovation, ARV, DSCR exit at 75% ARV, equity recycled. A worked example with real numbers.
At 12%, $400K in bridge costs $131/day. Here's exactly how bridge interest compounds and what 31 fewer days means in dollar terms.
On a $400K bridge at 12%, every extra day costs $131. Here's how we calculated what a 31-day advantage is actually worth.
Drop the address. We'll run the ARV, LTC, and structure your bridge.
Same-week underwriting decision.
No hard pull
No W2