Bridge | DSCR
BRIDGE LOANS — PURCHASE | CASH-OUT | REFINANCE
For properties in lease-up or post-renovation phase.
Product Overview:
Short-term bridge financing for acquisitions, quick cash-outs, or repositioning stabilized assets
before permanent financing.
Example Scenario:
Property value: $1,200,000 | Loan: $900,000 (75% LTV)
Investor uses bridge funds for renovations and refinances into a DSCR or conventional take-out
loan.
Advantages:
- Close fast with flexible underwriting
- Perfect for investors needing quick liquidity
- Ideal for transitional properties or time-sensitive closings
Terms & Availability:
- Loan Amount: $100K – $10M+
- LTV: Up to 80%
- Rate: 8.99%–13.5% (interest-only)
- Term: 12–24 months
- Experience: Preferred, not mandatory
- Foreign Investors: Accepted
- Deferred Payments: Case-by-case
- Prepayment Penalty: None on most bridge loans
- Typical Closing: 10–21 days
DSCR 30-YEAR RENTAL LOANS — LONG-TERM HOLD
Long-term financing for rental investors and BRRRR strategies.
Product Overview:
Ideal for investors building rental portfolios or refinancing completed projects. Qualification is
based on property cash flow, not personal income.
Example Scenario:
ARV: $300,000 | Rent: $2,400/mo | DSCR: 1.25x
Loan covers up to 80% LTV. Investor refinances into a fixed-rate 30-year loan with minimal
documentation.
Advantages:
- No tax returns, paystubs, or employment verification
- Fixed 30-year or ARM options (5/1, 7/1, 10/1 IO available)
- Refinance or cash-out after renovation
- Perfect for BRRRR investors and long-term wealth builders
Terms & Availability:
- Loan Amount: $75K – $5M
- LTV: Up to 80% purchase/refi, 75% cash-out
- Rate: Starting at 6.25%–8.75%
- Term: 30 years (fixed or interest-only hybrid)
- DSCR Requirement: ≥1.0–1.25x
- Experience: New and seasoned investors welcome
- Foreign Investors: Accepted with U.S. entity
- Prepayment Penalty: Typically 3-year step-down (varies)
