Bridge Loans for Real Estate Investors
Fast & Flexible Interim Financing to Seize Opportunities
Get Your Fast Bridge Loan Quote
*Connecting your current investment to your next strategic move, nationwide.
Service Snapshot: Bridge Loan Features
| Feature | Details for Bridge Loans |
|---|---|
| Primary Loan Uses | Bridge to Sale, Bridge to Refinance, Acquisition Bridge, Construction Completion |
| Typical Funding Time | 5-15 Business Days (as fast as 3 for clear projects) |
| Loan-to-Value (LTV) | Up to 70% LTV or 65% Loan-to-Cost (LTC) |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Land with Construction Plans |
| Typical Loan Term | 6-24 Months (interest-only options available) |
Why Choose Waterman Capital for Your Bridge Loan
In the fast-paced world of real estate, opportunities often demand immediate action. A bridge loan from Waterman Capital provides the crucial short-term capital needed to "bridge" the gap between your current investment and your next strategic move, without missing a beat.
Waterman Capital offers a strategic advantage for bridge financing:
- Speed to Close: We understand that time is money. Our streamlined process ensures quick underwriting and funding, allowing you to seize new acquisition opportunities, complete a project, or facilitate a sale before traditional financing comes through.
- Flexibility for Transitions: Whether you're purchasing a new property before selling an existing one, need to complete a construction project, or require capital to stabilize a commercial asset for long-term financing, our bridge loans are tailored to your unique situation.
- Asset-Focused Approach: We focus on the underlying value of your real estate asset and the viability of your exit strategy, rather than solely relying on strict credit requirements, making us an ideal partner for investors with diverse portfolios.
- Transparent & Direct: We pride ourselves on clear communication and transparent terms, ensuring you understand every aspect of your bridge loan and how it aligns with your investment goals.
Frequently Asked Questions About Bridge Loans
What is a bridge loan and how does it work?
A bridge loan is a short-term loan used to "bridge" the financing gap between two transactions or events. It provides immediate capital, secured by real estate, allowing investors to move quickly on opportunities without waiting for traditional, slower financing. The loan is typically repaid when a planned event occurs, such as the sale of an existing property or securing long-term financing.
When should I consider using a bridge loan?
Bridge loans are ideal for situations requiring quick capital. Common scenarios include purchasing a new investment property before selling an existing one (eliminating contingencies), financing a renovation project to stabilize a property for permanent financing, avoiding foreclosure, or covering expenses during a construction delay or project completion phase.
What are the typical terms and duration for a bridge loan?
Bridge loans are short-term, typically ranging from 6 to 24 months. They usually feature interest-only payments to keep monthly costs lower, with the principal repaid at the loan's maturity or when the exit strategy is executed. LTVs can go up to 70-75% depending on the property type and project scope. Specific terms depend on the asset, borrower, and project details.
What types of properties qualify for bridge loans?
Waterman Capital offers bridge loans on a wide array of property types, including single-family homes, multi-unit residential properties, apartment complexes, commercial buildings (office, retail, industrial), and land with approved development plans. Our focus is on the property's value and the clear path to an exit strategy.
How quickly can I get approved and funded for a bridge loan?
Our process is designed for speed. Once we receive your complete application and required documentation, we can often provide conditional approval within 24-48 hours. Funding can occur in as little as 3-5 business days for straightforward projects, with most loans closing within 7-15 business days, allowing you to act decisively.
Ready to bridge the gap to your next real estate success?
Get pre-qualified or apply now for fast and flexible bridge loan financing.
Apply for a Bridge Loan
