Stabilized Bridge – Hard Money Loans

Starting rates 9.25%*

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Offers Bridge Loans that also serve as interim financing for the quick closing of rent-ready investment properties requiring minimal or no renovations. These loans are designed to bridge the gap until conventional or DSCR financing can be secured or the property is sold.

No DSCR
Purpose To provide bridge financing on a property that was recently renovated or constructed and is currently/soon to be listed for sale
Loan Amount Min: $75,000 Max: $1,500,000 / larger loans allowed case to case
Term Length 12 Months, up to 18 on case to case basis
Property Types Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos
MaxLTC 85% of purchase price+ verified completed capex if property owned < 6 months
Max LTV 700 FICO: 70% if property owned > 6 months 660-699 FICO: 65% if property owned > 6 months
Min DSCR N/A
Property Condition C2 or better
Min FICO 620
Collateral Restrictions Property value within 90th percentile of market No rural, exotic, or unique properties
No need for DTI, W-2 forms, or pay stubs

No DSCR

Purpose

To provide bridge financing on a property that was recently renovated
or constructed and is currently/soon to be listed for sale

Loan Amount

Min: $75,000
Max: $1,500,000 / larger loans allowed case to case

Term Length

12 Months, up to 18 on case to case basis

Property Types

Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos

MaxLTC

85% of purchase price+ verified completed capex
if property owned < 6 months

Max LTV

700 FICO: 70% if property owned > 6 months
660-699 FICO: 65% if property owned > 6 months

Min DSCR

N/A

Property Condition

C2 or better

Min FICO

620

Collateral Restrictions

Property value within 90th percentile of market No rural, exotic,
or unique properties

No need for DTI, W-2 forms, or pay stubs

DSCR Exit
Purpose To provide bridge financing on a property that is currently rented or soon to be rented, but is not yet ready for permanent financing
Loan Amount Min: $75,000 Max: $1,000,000 for SFR, $2,000,000 for 2-4 unit / larger loans allowed case to case
Term Length 12 Months, up to 18 on case to case basis
Property Types Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos
MaxLTC 85% of purchase price+ verified completed capex if property owned < 6 months
Max LTV 70% LTV
Min DSCR 1.10 Exit DSCR based on lower of in place rent and market rent
Property Condition C4 or better with no deferred maintenance
Min FICO 620
Collateral Restrictions No rural, exotic, or unique properties
No need for DTI, W-2 forms, or pay stubs

DSCR Exit

Purpose

To provide bridge financing on a property that is currently rented
or soon to be rented, but is not yet ready for permanent financing

Loan Amount

Min: $75,000 Max: $1,000,000 for SFR, $2,000,000 for 2-4 unit / larger loans allowed case to case

Term Length

12 Months, up to 18 on case to case basis

Property Types

Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos

MaxLTC

85% of purchase price+ verified completed capex
if property owned < 6 months

Max LTV

70% LTV

Min DSCR

1.10 Exit DSCR based on lower of in place rent and market rent

Property Condition

C4 or better with no deferred maintenance

Min FICO

620

Collateral Restrictions

No rural, exotic, or unique properties

No need for DTI, W-2 forms, or pay stubs

New

MULTIFAMILY BRIDGE PROGRAM:

🔹Value-Add projects with up to 80% LTVand85% LTC on qualified properties

🔹Finance buildings with 20 units up to $5MM loan size

🔹Rates as low as 8.99%with our buy-down option

🔹Interest reserve available to cover payments during stabilization phase

* Non-owner-occupied loans ONLY. All products are intended for residential properties.

** The rates shown represent the lowest possible options. The actual rates and deals you receive may change based on various approval criteria, including your FICO score, past experience, duration of ownership, among others.

*** We do not currently lend in the following states: