Bridge Loans
Fast & Flexible Capital for Your Real Estate Transitions
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*Serving real estate investors nationwide with strategic bridge financing solutions.
Service Snapshot: Bridge Loan Solutions
| Feature | Details for Bridge Loans |
|---|---|
| Primary Loan Types | Property Acquisition, Refinance, Rehab, Preventing Foreclosure, Stabilizing Assets |
| 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) or AS-IS Value |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Land, Mixed-Use |
| Typical Term | 6-24 Months (with extension options) |
| Primary Purpose | Bridge between financing, quick acquisition, stabilize property for long-term financing |
Why Investors Choose Waterman Capital for Bridge Loans
Real estate investing often presents time-sensitive opportunities or temporary financial gaps. Traditional lenders can be too slow or rigid for these situations, causing investors to miss out on deals or face unnecessary pressure.
Waterman Capital offers strategic advantages for your bridge loan needs:
- Speed & Efficiency: Our streamlined application and underwriting process ensures rapid closings, often within 3-10 business days. This speed is critical for quick acquisitions, refinancing deadlines, or preventing foreclosure.
- Flexible Terms for Transitions: Bridge loans are inherently temporary. We offer tailored terms that align with your specific exit strategy, whether it's selling the property, securing long-term conventional financing, or completing a value-add renovation.
- Versatile Solutions: We provide capital for a wide range of scenarios, including acquiring new property before selling existing ones, funding renovations to increase value, buying out partners, or providing quick liquidity for business needs against real estate assets.
- Asset-Based Lending: Our focus is on the value and potential of your real estate asset, allowing for more flexible qualification criteria compared to traditional bank loans.
Frequently Asked Questions About Bridge Loans
What is a bridge loan and when is it ideal?
A bridge loan is a short-term, typically interest-only loan used to "bridge" a financing gap. It's ideal for situations requiring quick capital, such as acquiring a new property before your current one sells, funding a renovation project, or preventing foreclosure. It provides immediate liquidity and flexibility until a more permanent financing solution (like a conventional loan or property sale) can be arranged.
How quickly can I get a bridge loan funded?
Speed is a hallmark 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 essential for urgent real estate opportunities and transitional financing needs.
What types of properties qualify for a bridge loan?
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), and land. Our focus is on the asset's value, the project's profitability, and a clear exit strategy for the loan.
What kind of collateral is typically used for bridge loans?
Bridge loans are primarily secured by real estate assets. This can include residential, commercial, or mixed-use properties. We evaluate the property's current value (as-is) and its potential after improvements (ARV) to determine loan amounts, prioritizing the asset's strength over the borrower's credit score alone.
Ready for flexible, fast financing for your next transition?
Get pre-qualified or apply now for a strategic bridge loan.
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