Real Estate Bridge Loans
Fast, Flexible Capital for Smooth Property Transitions & Acquisitions
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*Serving investors nationwide across diverse real estate markets.
Service Snapshot: Bridge Loan Program
| Feature | Details for Real Estate Investors |
|---|---|
| Primary Loan Types | Bridge Loans (Acquisition, Refinance, Rehab, Stabilization) |
| Typical Funding Time | 5-10 Business Days (as fast as 3 for qualified projects) |
| Loan-to-Value (LTV) | Up to 75% ARV (After Repair Value) / Up to 80% LTV on purchase |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Mixed-Use |
Why Investors Choose Waterman Capital for Bridge Loans
The real estate market often presents opportunities that demand quick action or situations that require temporary financing solutions. Traditional lenders are often too slow, making investors miss out or get stuck in undesirable positions.
Waterman Capital offers a strategic advantage for bridge financing:
- Rapid Funding for Opportunities: Our streamlined process ensures you can secure properties quickly, bridge financing gaps, or recapitalize existing assets, often within 3-10 business days.
- Flexible Solutions for Transitions: Bridge loans are designed for short-term needs – whether you're acquiring a property before securing long-term financing, transitioning from construction to stabilization, or needing capital for a quick rehab and sale.
- Asset-Based Lending: We focus on the property's value and your project's viability, not just your credit score. This allows us to fund a wider range of projects, including those with unique circumstances or less-than-perfect borrower profiles.
- Versatile Use Cases: Our bridge loans can be used for various scenarios, including purchasing properties at auction, refinancing maturing debt, or providing working capital during a property's lease-up phase.
Frequently Asked Questions About Bridge Loans
What is a real estate bridge loan and when should I use one?
A bridge loan is a short-term, asset-based loan designed to "bridge" a financing gap until a more permanent solution can be secured. Investors typically use them for time-sensitive acquisitions, refinancing maturing debt, during property transitions (like rehab or lease-up), or when a quick closing is essential and traditional financing is too slow.
How fast can I get funded with a bridge loan?
Speed is a primary advantage of bridge loans. For qualified projects, we can often fund loans in as little as 3-5 business days, with most loans closing within 7-10 business days. This rapid turnaround is crucial for seizing opportunities and maintaining project timelines.
What types of properties qualify for your bridge loans?
We lend on a wide range of property types, including single-family homes, multi-unit residential (2-4 units), apartment buildings, commercial properties (retail, office, industrial), and mixed-use developments. Our focus is on the asset's value and the project's profitability, making diverse property types eligible.
What are the typical terms for a bridge loan?
Bridge loans are typically short-term, ranging from 6 to 24 months, with possibilities for extensions. Interest rates are generally higher than conventional loans due to the speed and flexibility, but they provide critical access to capital when traditional options fall short. We structure terms to align with your project's specific exit strategy, whether it's a refinance or sale.
Ready to bridge your next real estate opportunity?
Get pre-qualified or apply now for a fast bridge loan.
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