Bridge Loans
Seamless Transition Capital for Real Estate Investors
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*Ideal for acquisitions, refinancing, and capitalizing on time-sensitive opportunities.
Service Snapshot: Bridge Loan Program
| Feature | Details for Bridge Loans |
|---|---|
| Primary Loan Types | Acquisition Bridge, Refinance Bridge, Property Stabilization, Interim Financing |
| Typical Funding Time | 7-15 Business Days (as fast as 5 for qualified projects) |
| Loan-to-Value (LTV) | Up to 70-75% LTV (based on current value) |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Land (with clear development plan) |
| Loan Term | 6-24 Months (flexible extensions often available) |
| Exit Strategy | Crucial for underwriting; typical exits include sale, refinance to conventional, or construction completion. |
Why Investors Choose Waterman Capital for Bridge Loans
Bridge loans provide vital short-term financing to help real estate investors seize opportunities, navigate transitions, and stabilize assets before securing long-term financing or executing a sale. Whether you're acquiring a new property while waiting for a previous one to close, needing quick capital for a value-add project, or buying an investment property that doesn't yet qualify for traditional financing, a bridge loan can be your strategic solution.
Waterman Capital offers a strategic advantage:
- Speed & Flexibility: Our efficient underwriting and closing process ensures you get the capital you need quickly, allowing you to move forward with time-sensitive deals without missing a beat. We tailor terms to fit your specific transitional needs.
- Smooth Transitions: We specialize in facilitating seamless transitions for investors, whether it's bridging the gap between property sales, providing interim financing for value-add projects, or enabling you to purchase before securing a permanent loan.
- Clear Exit Focus: Unlike traditional lenders, we understand the temporary nature of bridge financing. We work closely with you to understand and underwrite your intended exit strategy (sale, refinance, stabilization), ensuring the loan aligns with your broader investment goals.
Frequently Asked Questions About Bridge Loans
What is a bridge loan and when should I use one?
A bridge loan is a short-term, asset-backed loan designed to "bridge" the gap between two financial transactions or to provide immediate capital for a time-sensitive real estate opportunity. Investors typically use bridge loans for quick property acquisitions, to refinance an existing loan before permanent financing is secured, to fund renovations that will increase property value, or to avoid missing out on a deal due to slow traditional lenders.
How fast can I get a bridge loan funded?
Waterman Capital prides itself on efficiency. For qualified projects, we can often fund bridge loans in as little as 5-7 business days, with most loans closing within 7-15 business days. This speed is critical for investors needing to act quickly in competitive markets or to meet specific closing deadlines.
What are common exit strategies for a bridge loan?
A clear exit strategy is paramount for bridge loans. Common exits include: the sale of the property (either the bridge loan property or another property owned by the borrower), refinancing into a traditional long-term loan (e.g., conventional mortgage or commercial loan), or completion of a construction or renovation project that significantly increases the property's value, making it eligible for more favorable financing.
What types of properties qualify for a bridge loan?
We lend on a wide range of property types for bridge financing, including single-family homes, multi-unit residential (2-4 units), apartment buildings, commercial properties (retail, office, industrial), and land (especially with approved plans for development). Our focus is on the property's underlying value, its potential, and the borrower's credible exit strategy, rather than solely on credit history.
Ready to bridge the gap to your next successful investment?
Learn more or apply now for a fast bridge loan that suits your unique needs.
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