Bridge Loans
Fast, Flexible Capital to Bridge Your Real Estate Gaps
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*Ideal for acquisitions, refinancing, and other time-sensitive real estate needs nationwide.
Service Snapshot: Bridge Loan Essentials
| Feature | Details for Bridge Loan Investors |
|---|---|
| Primary Loan Types | Acquisition Bridge, Refinance Bridge, Construction Completion, Inventory |
| Typical Funding Time | 5-10 Business Days (as fast as 3 for urgent needs) |
| Loan-to-Value (LTV) | Up to 70% of Current Value or Purchase Price |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Land |
Why Investors Choose Waterman Capital for Bridge Loans
In real estate, timing is often everything. A bridge loan from Waterman Capital provides the immediate capital you need to seize opportunities, cover gaps, or facilitate transitions that traditional lenders can't accommodate quickly enough.
Waterman Capital offers strategic advantages for bridge financing:
- Bridge Any Gap: Seamlessly cover the period between selling an old property and buying a new one, or inject capital while awaiting long-term financing to close.
- Speed & Efficiency: Our streamlined application and underwriting process means quick approvals and funding, often within days. This speed is crucial for competitive markets and avoiding missed opportunities.
- Flexible Solutions: We tailor bridge loan terms for various scenarios, including quick acquisitions, refinancing existing debt, providing capital for renovations before a sale, or completing construction projects.
- Asset-Focused Lending: We focus on the property's potential and your clear exit strategy, making capital accessible even when traditional lenders might hesitate due to credit history or property type.
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" a financial gap between two transactions or during a period when long-term financing is unavailable. It's ideal when you need quick capital for a new acquisition before selling an existing property, or while waiting for permanent financing to close. It prevents delays and helps secure time-sensitive opportunities.
How fast can I get a bridge loan funded?
Our bridge loan process is highly efficient and built for 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 funding is essential for investors looking to seize opportunities that demand immediate action.
What types of properties qualify for a bridge loan?
We offer bridge loans for a wide range of property types, including single-family homes, multi-unit residential (2-4 units), apartment buildings, commercial properties (retail, office), and even land for development. The key is a strong property and a clear, viable exit strategy for repayment.
What are common scenarios for using a bridge loan?
Common uses include acquiring a new property before selling your current one (a "non-contingent" offer), refinancing an existing loan to pull out equity for renovations or other investments, purchasing a property quickly at auction, or providing capital to complete a construction project before securing a permanent mortgage.
Do bridge loans have higher interest rates than traditional loans?
Yes, bridge loans typically have higher interest rates and fees compared to conventional long-term financing. This is due to their short-term nature, the speed of funding, and the asset-based underwriting which often involves more risk for the lender. However, the value they provide in terms of speed and flexibility often outweighs the higher cost for urgent or complex investment opportunities.
Ready to bridge your capital gap?
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