Bridge Loans
Bridge-to-Sell Loan Program
Loan Purpose
Designed for short-term financing on recently renovated or newly built investment properties that are listed—or about to be listed—for sale.
Max Loan-to-Cost (LTC)
Up to 85% of the purchase price, plus completed renovation costs (if held less than 6 months).
Max Loan-to-Value (LTV)
700+ FICO: Up to 70% LTV if the property has been owned for more than 6 months
660–699 FICO: Up to 65% LTV with the same holding period
Minimum DSCR
No DSCR requirement.
Minimum Credit Score
660
Loan Amounts
Minimum: $75,000
Maximum: $1,500,000 (higher amounts considered case-by-case)
Loan Term
Standard 12-month term, with extensions available up to 18 months based on approval.
Property Types Eligible
Single-family residences
2–4 unit properties
Townhomes
PUDs
Warrantable condos
Property Condition Requirements
Homes must be in good condition—C2 or better.
Collateral Guidelines
Properties must fall within the top 90th percentile of local market value
No rural, highly unique, or unconventional properties accepted
DSCR Exit Bridge Loan
Loan Purpose
Short-term bridge financing for rental properties that are leased or near lease-ready, but not yet eligible for long-term DSCR or agency takeout loans.
Max Loan-to-Cost (LTC)
Up to 85% of the purchase price, plus completed renovation costs if owned under 6 months.
Max Loan-to-Value (LTV)
Capped at 70% of the appraised value.
Minimum DSCR
1.10x exit DSCR, based on the lower of current rent or market rent.
Minimum Credit Score
660
Loan Amounts
Single-Family: $75,000 – $1,000,000
2–4 Units: Up to $2,000,000
Larger loan requests considered case-by-case.
Loan Term
12 months standard, with extensions up to 18 months based on approval.
Eligible Property Types
Single-family rentals
2–4 unit properties
Townhomes
PUDs
Warrantable condos
Property Condition Requirement
C4 condition or better with no deferred maintenance.
Collateral Guidelines
No rural, unconventional, or highly unique properties.