Bridge Loans for Real Estate Investors
Seamless Transitional Financing for Your Next Investment
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*Connecting your current investment to your next opportunity with speed and flexibility.
Service Snapshot: Bridge Loan Program
| Feature | Details for Bridge Loans |
|---|---|
| Primary Purpose | Temporary financing between sales/acquisitions, refinance, or construction phases |
| Typical Funding Time | 5-10 Business Days (as fast as 3 for qualified projects) |
| Loan-to-Value (LTV) | Up to 75% of current value or ARV (After Repair Value) |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Land (with development plan) |
| Typical Loan Term | 6-24 Months (flexible extensions available) |
Why Choose Waterman Capital for Your Bridge Loan?
Real estate investing often requires agility. Bridge loans provide the crucial short-term capital needed to bridge the gap between transactions, whether you're acquiring a new property before selling an old one, or need funds to complete a rehab project while waiting for permanent financing.
Waterman Capital offers a strategic advantage for your bridge financing needs:
- Speed & Efficiency: Our streamlined application and underwriting process ensures you can secure funds quickly, often within 3-10 business days. This speed is vital for seizing time-sensitive opportunities or avoiding costly delays in your investment pipeline.
- Flexible Terms: We specialize in tailored bridge loans that fit unique scenarios – from refinancing an existing asset to free up capital for a down payment, to covering construction costs, or facilitating a 1031 exchange. Our terms are designed to be a temporary solution, setting you up for long-term success.
- Asset-Focused Lending: Unlike traditional lenders, we primarily focus on the value and potential of your real estate asset and the viability of your exit strategy, rather than extensive personal financial history. This makes bridge loans accessible even for those with less-than-perfect credit or complex income structures.
Frequently Asked Questions About Bridge Loans
What is a bridge loan and when is it ideal?
A bridge loan is a type of short-term financing designed to "bridge" a gap between two transactions. It's ideal for real estate investors who need immediate capital for situations like purchasing a new property before selling an existing one, funding renovations before securing long-term financing, or quickly closing on an opportunistic deal where traditional lenders are too slow.
How fast can I get funded for a bridge loan?
We understand that time is often of the essence with bridge financing. 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. Our efficient process aims to get you the capital you need precisely when you need it.
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), and land with an immediate development plan. Our focus is on the asset's value and the clarity of your exit strategy.
Do bridge loans require a traditional appraisal?
To expedite the process, we often utilize BPOs (Broker's Price Opinions), drive-by appraisals, or conduct our own internal valuations based on recent comparable sales and our extensive market experience. While a full appraisal might be required in some cases, our aim is always to use the fastest and most efficient valuation methods possible to ensure a quick closing.
Ready to bridge your next real estate investment?
Get pre-qualified or apply now for a fast bridge loan.
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