Bridge Loans Palm Beach Gardens
From PGA National to Downtown at the Gardens, a Palm Beach Gardens bridge loan gives you speed and up to 95% of cost to win affluent north Palm Beach demand deals – then exit by sale or a DSCR refinance.
- Asset-based – we lend on the property and the exit, not your tax returns
- Up to 95% LTC · no maximum loan amount · no cap on the number of properties
- PGA National, Downtown at the Gardens, Mirasol & Old Palm
- SF, 2-4 unit, multifamily, mixed-use, retail/office & land
- 6-24 mo interest-only · rates from 7.625% (subject to change) · close in as few as 5 days
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Palm Beach Gardens Bridge Loans – Key Facts (2026)
- What it is: A short-term, asset-based loan that bridges the gap between buying and selling or refinancing – funded on the property and the exit, not your income.
- Best for: High-end reposition in Palm Beach Gardens – fast-close purchases, high-end reposition across PGA National and Downtown at the Gardens, and reposition before a DSCR refinance.
- Leverage: Up to 95% LTC · no maximum loan amount · no cap on the number of properties. Rates: from 7.625% (subject to change) · 1-3 points.
- Terms: 6-24 month interest-only with extension options, or refinance to a 30-40 yr DSCR/permanent loan. Funding: as fast as 5 days.
- Property types: SF, 2-4 unit, multifamily, mixed-use, retail/office, and land.
- Lender: CambridgeHomeLoan.com – direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Bridge financing in Palm Beach Gardens
What is a bridge loan in Palm Beach Gardens?
A Palm Beach Gardens bridge loan is short-term, asset-based capital secured by the property and your exit. Powered by affluent north Palm Beach demand, Palm Beach Gardens deals from PGA National to Downtown at the Gardens reward investors who can close fast and reposition before a sale or DSCR refinance.
| Secured by | The property (asset-based) – no personal income used |
| Max leverage | Up to 95% LTC · no maximum loan amount · no cap on number of properties |
| Rates from | 7.625% (subject to change, deal-dependent) · 1-3 points |
| Terms | 6-24 mo interest-only · extension options · DSCR/permanent exit |
| Funding speed | As fast as 5 days |
| Property types | SF, 2-4 unit, multifamily, mixed-use, retail/office, land |
| Area | Palm Beach Gardens and Palm Beach County – PGA National, Downtown at the Gardens, Mirasol, Old Palm |
Eligible properties
Palm Beach Gardens bridge loan property types
We bridge investment and business-purpose real estate across the board – residential, multi-family, and commercial:
How we compare
CambridgeHomeLoan vs. Top National Bridge Lenders
Palm Beach Gardens investors shop bridge financing on leverage, speed, and cost. Here is how our program stacks up against terms commonly advertised by top national bridge lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 80-85% |
| Max loan amount | No maximum | Often capped |
| # of properties | No cap | Often limited |
| Rates from | 7.625% (STC) | ~10-13%+ |
| Term | 6-24 mo + extensions | 6-12 mo |
| Exit | Sale or 30-40 yr DSCR refi | Interest-only only |
| Funding speed | As fast as 5 days | 10-21 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the bridge market as of 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Palm Beach Gardens market data
Palm Beach Gardens bridge market at a glance (2026)
Representative 2026 indicators for underwriting context – confirmed per deal by an as-is (and, where relevant, after-repair) appraisal.
Palm Beach Gardens bridge deals by the numbers (2026)
- Local driver: Affluent north palm beach demand keeps Palm Beach Gardens demand active from PGA National to Downtown at the Gardens.
- Speed wins: competitive Palm Beach Gardens deals close faster with an asset-based bridge – as few as 5 days.
- Flexible exit: sell into Palm Beach Gardens demand, or refinance to a 30-40 yr DSCR loan (high-end reposition).
Market context is qualitative and provided for illustration only; figures are third-party estimates confirmed per deal by appraisal.
Palm Beach Gardens submarkets
Where Palm Beach Gardens bridge deals pencil
In Palm Beach Gardens, bridge deals pencil across PGA National, Downtown at the Gardens, Mirasol – here are representative submarkets and where the numbers tend to work.
| Market | Typical price band (2026)* | Bridge angle |
|---|---|---|
| PGA National | $450K-$900K | Buy-before-you-sell – high-end reposition |
| Downtown at the Gardens | $450K-$900K | Cash-out – high-end reposition |
| Mirasol | $450K-$900K | Stabilize – high-end reposition |
| Old Palm | $450K-$900K | Fast close – high-end reposition |
*Approximate 2026 ranges for illustration – verify current comps for the specific address (an appraisal sets the value we lend against).
Free tool
Palm Beach Gardens bridge loan calculator
Enter your numbers and see your bridge loan, down payment, cash to close, interest-only payment, and financing cost instantly. We lend up to 95% of total cost (purchase plus rehab) – no maximum loan amount. Illustrative only; final loan uses an appraisal.
Your deal
Illustrative only; not a commitment to lend. Rate shown is a working input; program rates start at 7.625% (subject to change). Excludes taxes, insurance, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your Palm Beach Gardens bridge loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application – or call (800) 826-5077.
Worked example
A real Palm Beach Gardens bridge deal
A Palm Beach Gardens investment deal bought at $345,000 with a $40,000 rehab/capex budget (total cost $385,000): at up to 95% LTC we bridge about $365,750, leaving roughly $19,250 down (about 5%). With 2 points (about $7,315) and an interest-only payment near $2,743/mo, estimated cash to close is about $26,565 on a 12-month term, with exit by sale or a 30-40 yr DSCR/permanent refinance. No maximum loan amount and no cap on the number of properties. Illustrative only; rates start at 7.625% (subject to change) and value is confirmed by appraisal.
Programs
Palm Beach Gardens bridge loan programs
| Purchase bridge | Buy before you sell; fast close on a competitive deal |
| Refinance / payoff bridge | Pay off a maturing loan or partner; buy time to sell or refi |
| Cash-out bridge | Pull equity fast for the next acquisition or renovation |
| Reposition / stabilize | Value-add, lease-up, then refinance to permanent |
| Auction & proof of funds | Close fast on courthouse and REO buys |
| Rehab-to-rent (BRRRR) | Bridge now, refinance to a 30-40 yr DSCR loan |
Requirements
Palm Beach Gardens bridge loan requirements
| Down / equity | As little as 5% of cost at up to 95% LTC |
| Loan amount | No maximum loan amount |
| Portfolio | No cap on the number of properties |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; experienced investors get higher leverage |
| Valuation | As-is appraisal; ARV and scope of work if a rehab bridge |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale or refinance to a 30-40 yr amortized / DSCR loan |
Answers
Palm Beach Gardens bridge loan FAQ
Why use a bridge loan in Palm Beach Gardens?
Palm Beach Gardens deals – driven by affluent north Palm Beach demand – can move fast from PGA National to Downtown at the Gardens. A bridge loan closes in as few as 5 days on the property and exit, then you refinance to a DSCR loan or sell. Up to 95% of cost, no maximum loan amount.
How much can I borrow on a Palm Beach Gardens bridge deal?
Up to 95% of total cost (purchase plus rehab), with no maximum loan amount and no cap on the number of properties, from 7.625% (subject to change) and 1-3 points. The on-page calculator sizes it on your Palm Beach Gardens numbers.
Keep exploring
Related Palm Beach Gardens investor loans
(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Bridge loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTV, term, and leverage are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. “Up to 95% LTC” reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. “No maximum loan amount” and “no cap on the number of properties” are subject to underwriting, and rates from 7.625% are subject to change without notice. Values are estimates confirmed by an appraisal on your specific property. Calculator results are illustrative and exclude some holding, closing, and interest costs. Market statistics are third-party estimates for illustration only. This page is informational and does not constitute financial, legal, tax, or investment advice.