Stabilized Bridge Loans for California Investors

Short Term Loans for Investors

Real estate investor bridge loans provide short-term financing options when conventional funding sources may be unavailable due to temporary liquidity constraints. Conventional loans often impose qualifying criteria that can limit investors’ access to necessary funds. Bridge loans serve as an alternative to conventional private lending and can be utilized for various purposes. These include acquiring investment properties within tight timelines, renovating properties for the purpose of fixing and flipping, or selling properties within shorter timeframes.

Using Bridge Loans to Stabilize Multi-Family Investments

When dealing with underperforming multifamily property investments, bridge loans emerge as an enticing remedy. Conventional lenders often prefer stabilized properties, creating obstacles in obtaining financing for crucial endeavors like boosting occupancy rates, undertaking renovations, or implementing enhanced management strategies. In such circumstances, a strategically timed bridge loan spanning 12 to 24 months provides investors a unique opportunity to tackle prevailing challenges head-on and stabilize the property to align with requirements set by traditional lenders.

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Bridge Loan Terms

Single-Family

Loan Term:

18-24 Months

(Extended Terms Available)

Min Loan Amount:

$50k

Min Property Value:

$75k

Max Loan Amount:

$7.5M

LTV:

Purchase: The lesser of Up to 75% of the As-Is Value or up to 75% Loan-to-Cost

Refinance: Up to 65% of the As-Is-Value

Cash Out: Up to 60% of the As-Is-Value

Minimum FICO

620

Property Types

Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes

Multi-Family

Loan Term:

18-24 Months

(Extended Terms Available)

Min Loan Amount:

$250k

Min Property Value:

$50k per Door

Max Loan Amount:

$10M

LTV:

Purchase: Up to 75% of the As-Is Value

Refinance: Up to 70% of the As-Is-Value

Cash Out: Up to 65% of the As-Is-Value

Minimum FICO

620

Property Types

Non-Owner Occupied Multi-Family Real Estate; 5+ Unit Apartments; Mixed-Use Properties

Actual loan terms are subject to variation based on the type of loan, verification of application information, and other factors associated with risk assessment.