How it Works

Bridge loans are short-term, business-purpose loans typically based on the property's current value (as-is). These loans are commonly used for acquisitions, refinances, or transitional situations requiring speed and flexibility.

Borrowers often use bridge financing as a temporary solution before refinancing into a DSCR, conventional, or other long-term loan.

Qualification Requirements

Loan Features

Up to 70–75% LTV (loan-to-value)
6–24 month terms
Interest-only payments
No prepayment penalty (common)
Fast closings (often 3–10 days depending on deal)
No income documentation required (in many programs)
No DTI requirements
Appraisal or alternative valuation options (BPO / AVM)
Extension options available

Borrower Requirements

Credit scores typically starting at 660 (varies by program)
Experience preferred but not always required
Liquidity for down payment and reserves
Clear exit strategy (sale or refinance)

Documentation

Investor Application (On Investor Page)
Purchase contract (if applicable)
Rent roll or lease (if applicable)
Property details/deal summary
Statements of accounts showing liquidity
Entity documents (if borrowing in LLC)

*Loan programs are available for qualified borrowers and are subject to lender approval. Terms, rates, and program guidelines vary based on borrower profile, credit, property type, and overall transaction details. Not all applicants will qualify for all programs.

Who Bridge Loans Are Best For:

Investors needing fast closings on time-sensitive deals

Investors planning to refinance into long-term financing

Properties that are not yet stabilized

Transitional properties (vacant, lease-up, repositioning)

Cash-out scenarios for equity access or redeployment

Why Key One Financial?

Access to Multiple Lenders

We source competitive bridge loan options across a wide network of lenders.

Built Around Real Deals

We structure financing based on the property, timeline, and exit strategy.

Speed and Execution

We understand urgency and help you move from deal to closing quickly.

Explore Your Bridge Loan Options Today

Start By Filling out the Investor Loan Application at the Bottom of the Investor Loans Page.

Get Started Now

Common Questions on Fix & Flip Loans

Bridge loans are based on the current property value (LTV) and typically do not include rehab funds. Fix & flip loans are based on total project cost (LTC) and include renovation financing.

In many bridge programs, no traditional income documentation is required. Loans are often based on the asset and overall deal strength. However, Most will verify liquidity and reserves.

Some programs require a full appraisal, while others may allow alternative valuations such as a broker price opinion (BPO) or automated valuation.

Many programs require an appraisal to determine ARV, but some lenders offer no-appraisal or alternative valuation options depending on the deal and borrower profile.

Many bridge loan programs do not have a prepayment penalty, allowing flexibility to refinance or sell when ready.

Most borrowers either:

Refinance into a long-term loan (DSCR, conventional, etc.)
Sell the property after stabilization or appreciation

Many programs require an appraisal to determine ARV, but some lenders offer no-appraisal or alternative valuation options depending on the deal and borrower profile.

Yes. This is one of the most common strategies, especially once the property is rented or stabilized.

Yes. Many bridge programs allow cash-out refinances based on available equity and deal structure.