Stabilized Bridge Loans
A stabilized bridge loan is short-term financing on an income-producing property that already earns close to market rent. It helps you buy, hold or lightly reposition the property, then refinance into a long-term rental loan or sell. The work is light. This is not a heavy rehab or a ground-up build.
Our guidelines
Feature | Detail |
Rates | Set case by case based on the deal |
Term | Up to 18 months, with an option to extend |
Loan amount | $50,000 to $5,000,000 |
Max leverage | Up to 75% of as-is value or cost, and up to 80% with 5 or more investment properties, based on experience and credit |
Credit | 660+ FICO (adjustments apply for credit scores <700) |
Payments | Fixed rate, interest-only |
Prepayment | No prepayment penalty |
Rent or occupancy | No minimum |
Borrower | LLC, LP, corporation or trust with a personal guarantor age 21+ |
Property types | Non-owner-occupied 1-4 family, condos, townhomes and small multifamily |
Closing | As fast as 24 hours after valuation and title are in hand |
Minimum value | $100,000 stabilized value |
Scope of work | Light work on a property that's already leasable |
Experience | Rentals you own count toward experience, not just completed flips |
Why use a stabilized bridge loan?
A stabilized bridge loan is short-term financing, up to 18 months with an option to extend, that lets you quickly buy, reposition or hold an income-producing property while you get ready to move into a permanent long-term loan or sell.
- Fast Acquisition: Close on a time-sensitive purchase before slower traditional underwriting or permanent financing can be arranged.
- No Prepayment Penalties: Use flexible, short-term money, often interest-only, that you can pay off early through a sale or a 30-year rental loan with no prepayment penalty.
- Light Renovations or Repositioning: Fund minor updates, tenant improvements or operational changes on a property already at or near market income, instead of taking on a heavy rehab or ground-up build.
- Refinancing Existing Debt: Cover a gap when existing debt is maturing, or give the property a short runway to hit its numbers before you lock in long-term rates.