Real Estate Bridge Loans
Fast & Flexible Short-Term Financing for Property Transitions
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*Serving investors across California for property acquisitions, rehabs, and refinances.
Service Snapshot: Bridge Loan Features
| Feature | Details for Bridge Loan Borrowers |
|---|---|
| Primary Loan Purpose | Quick Acquisitions, Refinances, Construction Completion, Short-Term Capital Gap |
| Typical Funding Time | 5-10 Business Days (as fast as 3 for qualified projects) |
| Loan-to-Value (LTV) | Up to 75% LTV (Loan-to-Value) on Current Value or After Repair Value (ARV) |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Land Acquisition & Development |
Why Investors Choose Waterman Capital for Bridge Loans
Bridge loans are crucial for real estate investors navigating transitional periods, whether it's closing quickly on a new acquisition before selling an existing property, or needing short-term capital to complete a project.
Waterman Capital offers a strategic advantage:
- Speed & Efficiency: Our streamlined application and underwriting process means you can bridge your capital gap quickly, often within 3-10 business days. This is essential when timing is critical.
- Flexible Terms: We specialize in tailored bridge loans for unique scenarios, including non-owner occupied residential, commercial, and even land deals, providing the flexibility traditional lenders lack.
- Strategic Solutions: Our bridge loans are designed to provide a smooth transition, allowing you to secure new opportunities, manage existing assets, or complete projects without financial delays.
Frequently Asked Questions About Bridge Loans
What is a bridge loan and when should I use one?
A bridge loan is a short-term loan used to "bridge" the gap between a funding event (like the sale of an old property) and the purchase of a new one, or to provide quick capital for time-sensitive real estate opportunities. They are ideal for investors who need fast access to funds for acquisitions, refinances, or to complete a construction project before securing long-term financing.
How fast can I get funded with a bridge loan?
Bridge loans are known for their speed. 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 that require immediate capital.
What types of scenarios are bridge loans typically used for?
Bridge loans are versatile and used in many situations:
- Purchasing a new property before an old one sells.
- Quickly acquiring an undervalued asset at auction or through a distressed sale.
- Refinancing an existing property to pull out equity for another investment.
- Completing construction or significant renovations before securing permanent financing.
- Avoiding foreclosure or other urgent financial situations by providing immediate liquidity.
What are the typical terms for a bridge loan?
Bridge loans are short-term, typically ranging from 6 to 24 months. Interest rates can vary based on the project's risk, LTV, and borrower profile, but are generally higher than conventional loans due to their speed and flexibility. They often feature interest-only payments, allowing for lower monthly outlays while the borrower executes their strategy to repay the loan.
Ready to bridge your capital gap for your next investment?
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