Fix-and-flip. Value-add. BRRRR. 1031 deadlines. Bridge-to-sale. When the deal won't wait for agency underwriting, you need asset-based capital that closes in days. We have the lender relationships — and we know how to structure the exit.
"Bridge" and "hard money" overlap. Bridge tends to be 70-80% LTV, more institutional, lower rate. Hard money is asset-only, faster, higher rate. Both fill the gap agency loans can't.
6, 9, 12, 18, or 24 months. Interest-only payments. Extension options on most products if exit gets delayed.
Up to 90% LTC on purchase + 100% rehab, capped at 70–75% ARV. Translation: you bring less cash if the deal pencils.
7–14 days realistic. 5-day close possible on clean files with relationship lenders. Speed is the whole point.
650+ on most products. Below 650 possible with stronger LTV and reserves. Credit matters less than the deal economics.
9–12% with 1–3 points. Higher than agency, but on a 9-month flip the total cost rarely exceeds 6–8% of the deal.
SFR, 2–4 unit, condo, multifamily, mixed-use, light commercial. Cosmetic to full-gut rehab. Coastal FL widely accepted.
Acquire at $450k, rehab $80k, ARV $700k. Bridge funds the purchase + rehab, you exit with sale proceeds in 6–9 months. We also model the BRRRR variant where you refi to DSCR instead of selling.
10-unit FL coastal multifamily with under-market rents. Bridge funds acquisition + light rehab → 12 months of repositioning → refi into permanent agency multifamily product. Standard playbook.
45-day identification, 180-day close. When agency underwriting can't fit, bridge takes the property down — refi later. Saves the entire 1031.
Move-up buyer who needs to close on the new home before the current one sells. Bridge against current home equity = no contingent offer, much stronger purchase position.
Bridge is only as good as the exit. Before you fund, we model the refi or sale exit — DSCR, agency, sale comps, or 1031 — so you don't get stuck with expensive short-term debt past the term.
Send the deal — purchase, rehab budget, ARV, exit plan. We'll come back same-day with terms, lender match, and an exit strategy that closes the loop.
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