Bridge loans
Bridge loans for real estate investors, up to 75% LTV in 7–15 days.
Short-term bridge financing on a property as it stands today — to close before a cash buyer does, pay off a maturing loan, or pull equity for the next deal while you sell or refinance. No construction budget, no tax returns.
Bridge loan terms by experience
| Term | Experienced (2+ deals) | Some experience (1) | New investor |
|---|---|---|---|
| Loan to value | Up to 75% | Up to 72.5% | Up to 70% |
| Minimum FICO | 620 | 620 | 650 |
| Loan size | $115k – $8M | $115k – $8M | $115k – $8M |
| Term | 12–18 months | 12–18 months | 12–18 months |
| Closing | 7–15 days | 7–15 days | 7–15 days |
| Cash-out refinance | Up to 65% | Up to 65% | Up to 65% |
| Rate-and-term refinance | Up to 70% | Up to 70% | Up to 70% |
When a bridge loan is the right tool
- Speed. Compete with cash buyers on a 7–15 day close.
- A maturing loan. Pay off hard money or a private note that is coming due.
- Equity for the next deal. Cash-out up to 65% on a property you already own.
- Time to stabilize. Hold while you lease up, then refinance into a DSCR loan.
- Buy before you sell. Close the next purchase before the last sale funds.
The exit decides the deal
A bridge loan is sized on today’s value and repaid by a sale or a refinance. The lender wants to see that exit clearly before it funds: comparable sales if you are selling, market rent and a DSCR path if you are holding.
Program snapshot
- Max loan to value
- 75%
- Rates from
- 10.25%
- Min FICO
- 620
- Loan size
- $115k – $8M
- Term
- 12 – 18 months
- Closing
- 7 – 15 days
- Property
- SFR, 2–4, condo, townhome
- Borrower
- LLC, non-owner-occupied
What to send
- Property address and purchase price or value
- Payoff statement, if refinancing
- Your exit: sale or refinance, and the numbers behind it
- Deals completed in the last 36 months
- LLC name and credit range
Need longer than 18 months? The 24-month interest-only loan
A second bridge structure for 1–4 unit property that does not need a rehab budget: 24 months, interest-only, with no prepayment penalty, so you can sell or refinance whenever the exit is ready. Loans start lower, at $75,000.
| Credit | Purchase, 75% LTV | Purchase, 50% LTV | Refinance, 75% LTV | Refinance, 50% LTV |
|---|---|---|---|---|
| 750+ | 10.050% | 9.425% | 10.800% | 10.175% |
| 725–749 | 10.600% | 9.975% | 11.350% | 10.725% |
| 700–724 | 11.200% | 10.575% | 11.950% | 11.325% |
| 675–699 | 12.200% | 11.575% | 12.950% | 12.325% |
Credit below 620, or a bankruptcy? A maturing bridge or hard money loan can be paid off with a 30-year fixed loan at up to 50% of value and no minimum credit score.
Bridge loan questions
What is a bridge loan in real estate investing?
Short-term debt, usually 12 to 18 months, secured by an investment property and sized on its current value. It bridges the time between buying or holding a property and selling it or refinancing into long-term debt.
How much can I borrow on a bridge loan?
Up to 75% of value for experienced investors, 72.5% with one completed deal, and 70% for new investors. Cash-out refinances go up to 65%.
Bridge loan or fix and flip loan?
If the property needs a renovation budget funded by the lender, use a fix and flip loan. If it only needs time or a fast close, a bridge loan is simpler.
Bridge loan vs hard money: what’s the difference?
Hard money describes the lender: a private, asset-based lender that sizes the loan on the property rather than your income. A bridge loan describes the use: short-term financing on a property’s as-is value, with no renovation budget. Most real estate bridge loans are made by hard money lenders. If the lender also needs to fund a rehab, it becomes a fix and flip loan. See hard money loans for the full range.
How fast can a bridge loan close?
Typically 7 to 15 days from a complete file. The appraisal and the payoff statement (on a refinance) are usually the longest items, so send your exit plan and payoff with the deal.
Can I use a bridge loan on my own home?
No. Every loan we place is business-purpose, made to an LLC and secured by non-owner-occupied investment property.
Easy Lending USA is not a lender, a bank, or a mortgage broker. We introduce real estate investors to independent private lenders, who make every credit decision. No upfront fees of any kind.
Related programs
Renovating? Use a fix and flip loan with the rehab financed. Apartment building or mixed-use? See the multifamily bridge. Holding long term? The exit is a DSCR loan. All programs are on the loan programs page.
Run the numbers first. The free bridge loan calculator shows the interest-only payment, the balloon, points, minimum interest, extension fees and your cash to close. Comparing quotes? Use the loan comparison calculator.