Bridge Loans and Fix-and-Flip Financing for Real Estate Investors

Our bridge loan and fix-and-flip financing program gives real estate investors the short-term capital they need to acquire undervalued properties, fund renovations, and either sell for profit or refinance into a long-term 30-year DSCR loan. No W-2s, no tax returns, no personal income verification — we fund based on the deal.

With loan amounts from $50K to $3M+, up to 90% of the purchase price financed, and 100% of rehab costs covered, you can move fast on the right opportunity. Most bridge loans close in 10–21 business days.

Apply Online 888-375-7977

Bridge Loan & Fix-and-Flip Program Details

Our bridge loan program is built for speed and flexibility. Whether you're flipping a single family home or renovating a small multifamily building, these are the terms you'll work with.

How Fix-and-Flip Financing Works

Bridge loans follow a straightforward three-phase process. You acquire the property fast, draw rehab funds as the renovation progresses, and exit by selling or refinancing. Here's how each phase works.

A quality renovation turns a $200K property into a $300K asset — that's the fix-and-flip math.

Who Qualifies for a Bridge Loan?

First-time flippers and experienced investors alike. LLCs, corporate entities, and self-employed borrowers all eligible. No income documentation required — minimum 650 credit score with experience-based pricing tiers.

Our bridge loan program is designed for investors at every stage. If you're doing your first flip and have a solid deal with a clear renovation budget, we can work with you. If you're an experienced operator with dozens of completed projects, you'll unlock better rates and higher leverage tiers based on your track record.

We fund through LLCs, S-corps, and other corporate entities — no personal name required. Self-employed investors and LLC borrowers are welcome. Qualification is primarily based on the deal itself: the purchase price, the scope of work, the after-repair value, and your exit strategy. Your personal income doesn't factor in.

The BRRRR Strategy: Bridge Loans Meet Long-Term DSCR Financing

BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat — and it's one of the most effective wealth-building strategies in real estate investing. Our bridge loan program is the entry point for this strategy, and our long-term DSCR products are the exit.

Here's how it works in practice. You use our bridge loan to acquire a property below market value and fund the renovation. Once the rehab is complete, you place a tenant and stabilize the rental income. Then you refinance into a 30-year fixed DSCR loan based on the property's new appraised value — which, after a quality renovation, should be significantly higher than your total investment.

The cash-out refinance pays off the bridge loan and returns most or all of your original capital. You now own a cash-flowing rental property with a long-term fixed-rate mortgage, and your capital is free to repeat the process on the next deal. Investors who don't quite meet the standard .75x DSCR threshold can also refinance into our No-Ratio DSCR program, which qualifies on LTV and credit score instead of the debt service coverage ratio.

Can You Flip a House with No Money Down?

Technically, no — but you can get close. With up to 90% of the purchase price and 100% of rehab costs financed, your cash outlay on a fix-and-flip project can be as low as 10–15% of the acquisition cost. Some experienced investors bring in partners or use private capital for the remaining equity.

The key metric is loan-to-cost (LTC). If you're buying a property for $200,000 and the renovation budget is $50,000, your total project cost is $250,000. At 90% LTC, you'd need $25,000 of your own capital — not zero, but a fraction of the total deal. Compare that to the $50,000+ down payment a conventional lender would require just for the acquisition alone, without any renovation funding.

Experienced investors with 3+ completed flips often qualify for higher leverage tiers, reducing their out-of-pocket even further. Some also pair our bridge financing with gap funding from private investors or partners. The point is that bridge loans make it possible to control much larger deals with far less cash than traditional financing.

What's the Difference Between a Bridge Loan and a Hard Money Loan?

In practice, the terms overlap significantly. Both are short-term, asset-based loans for real estate investors. The distinction is mostly in branding and lender type. "Hard money" traditionally refers to private capital from individual lenders, while "bridge loan" implies a more institutional product. Our program combines the speed of hard money with the structure and reliability of institutional lending.

Both bridge loans and hard money loans share the same core features: short terms (12–24 months), asset-based underwriting, fast closings, and interest-only payments. The difference comes down to the lender. Hard money loans from individual lenders can be unpredictable — rates vary wildly, terms may change mid-deal, and there's often no clear draw process for rehab funds.

Our bridge loan program offers the speed and flexibility investors expect from hard money, but with consistent underwriting guidelines, structured draw schedules for renovation funding, and a clear path to long-term refinancing through our DSCR loan products. You get the best of both worlds: institutional reliability with hard-money speed.

Bridge Loan Readiness Checklist

Before you apply, make sure you have these items in order. A prepared borrower closes faster and often gets better terms.