When an opportunity arises, waiting 30 days for a traditional bank approval means losing the deal. Bridge and hard money loans are designed for speed, prioritizing the asset's value and your exit strategy over standard income verification.
Perfect for fix-and-flips, distressed properties, or short-term capital needs before stabilizing an asset.
Bridge and hard money loans are short-term, asset-based financing solutions designed to "bridge" a gap in capital. Unlike traditional mortgages that focus heavily on your income and credit history, these loans focus on the property's potential and your exit strategy (e.g., selling after a rehab or refinancing into a long-term DSCR loan).
They are ideal for purchasing distressed properties that traditional banks won't finance, funding heavy renovations, or securing a time-sensitive deal where waiting 30+ days for standard underwriting isn't an option.
While first-time investors can get funded, borrowers with a proven track record of successful flips or projects will receive higher leverage and lower interest rates.
Most lenders will cover 80-90% of the initial purchase price and 100% of the renovation costs, provided the total loan doesn't exceed 70-75% of the After Repair Value (ARV).
Because these are short-term loans (12-24 months), you must demonstrate a clear plan to pay off the loan—either by selling the property (fix-and-flip) or refinancing it (BRRRR strategy).
Unlike conventional loans that require properties to be habitable, hard money loans are specifically designed for properties that need significant repairs or stabilization.
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