Bridge loans are the tool for anything that isn't stabilized. Speed and flexibility come at the price of cost and risk — the return math still works when the deal is right.
Bridge lenders underwrite the take-out, not just the acquisition. Come to the table with a credible exit — a listing plan for flips, or a rate-locked DSCR pre-approval for BRRRR.
Common questions
Do I need flip experience?
First-time flippers can qualify with a partner who has 2+ completed flips, or by starting with a smaller loan and lower LTC.
How are rehab funds released?
In 3–6 draws tied to inspection milestones. Each draw funds 3–7 business days after inspection.
What happens if I don't finish in 12 months?
Extensions typically cost 1 point and add 0.5–1% to the rate. Better to underwrite conservatively upfront.
Ranges shown are educational. Actual pricing and terms depend on your credit, the property, and current market conditions. Nothing on this page is an offer of credit.
