Bridge Loans Florida: Fast Closings for Investors & Move-Up Buyers
Florida deals move fast, and bridge loans in Florida keep you in them. We lend against the property – not years of tax returns – so you can buy before you sell, hit a 1031 deadline, close an auction or REO purchase, or fund a renovation in Miami, Tampa, Orlando, or anywhere in between. Rates from 7.875%, closing in as fast as 5 days.
- Buy before you sell with up to 90% LTV on purchases
- Cash-out up to 75% to fund your next deal
- No prepayment penalty, interest-only, 12-36 month terms
- Built for 1031, auction/REO, reposition, and relocation deals
- LLCs & foreign nationals welcome in all 67 counties
- Tell us about your dealProperty, purchase price or value, and your timeline.
- Get a same-day term sheetWe size the loan around the property and your exit plan.
- Close fastFunding in as fast as 5 days once title and valuation are in.
Bridge Loans Florida at a Glance
- Purchase leverage: Florida bridge loans up to 90% loan-to-value to buy a property fast, ahead of permanent financing.
- Cash-out leverage: Up to 75% of value to unlock equity from a Florida property you already own.
- Pricing: Interest-only rates from 7.875%, subject to change based on the property, leverage, and your exit plan.
- Term: 12-36 month terms, sized to match your renovation, lease-up, or sale timeline.
- No prepayment penalty: Repay or refinance whenever your permanent financing or sale closes.
- Speed: Close in as fast as 5 days once title work and valuation are complete.
- Lender: CambridgeHomeLoan.com – direct lender since 1998, NMLS #1826020, based in Tampa and lending on Florida residential and investment property statewide.
Florida bridge loan programs
Six types of bridge loans in Florida
A bridge loan is not a single product – it is a short-term financing tool that flexes to match what you are actually trying to do. Here are the six Florida bridge loan programs we structure most often:
Acquisition Bridge
Move on a Florida property fast, ahead of permanent financing, so you don’t lose a deal waiting on a conventional loan timeline.
Cash-Out Bridge
Unlock equity from a property you already own to fund your next acquisition, a renovation, or working capital.
Reposition / Stabilize
Fund a lease-up period or a light renovation, then refinance into permanent financing once the property is stabilized at the higher value.
Auction & REO Bridge
Meet tight auction and bank-owned property deadlines with cash-like certainty, instead of losing the deal to a financing contingency.
1031 Bridge
Short-term capital to hit the 45- and 180-day exchange deadlines without losing your replacement property to a slower buyer.
Residential Buy-Before-Sell
Move into your next home, or close on your next investment property, before your current one sells.
Bridge financing
What is a Florida bridge loan?
A bridge loan in Florida is short-term, asset-based financing that “bridges” the gap between where you are today and where your permanent financing or exit strategy will take you. Instead of building the file around years of tax returns and a slow conventional underwriting process, we lend against the property itself – its current value, its after-repair or stabilized value, and your plan for it – and move at a pace that matches real Florida deal timelines, not a 45-day mortgage calendar.
Because a bridge loan is interest-only and carries no prepayment penalty, it is built to be temporary by design. You use it to solve a timing problem – closing on a purchase before your current property sells, meeting an auction deadline, funding a renovation before the property qualifies for permanent financing, or protecting a 1031 exchange clock – and then you exit it, either by selling the property or by refinancing into a longer-term loan. That combination of speed, flexibility, and a clean exit is what makes bridge loans a core tool for active Florida investors, and increasingly for residential buyers managing a move.
| Secured by | The Florida property (asset-based) – qualified on value, plan, and exit strategy |
| Leverage | Up to 90% LTV to purchase · up to 75% of value for cash-out |
| Structure | Interest-only · rates from 7.875%, subject to change · 12-36 month terms · no prepayment penalty |
| Speed | Close in as fast as 5 days once title and valuation are complete |
| Property use | Residential and investment property, including single-family, condo, and small multifamily |
| Borrower | Individual, LLC, or entity · foreign nationals eligible |
| Coverage | All 67 Florida counties |
Common use cases
Five ways Florida investors use bridge loans
Across the deals we see statewide, most Florida bridge loan requests fall into one of five patterns:
Buy before you sell
Acquire the next property now, while your current one is still on the market, and repay the bridge loan when that sale closes.
Reposition & stabilize
Renovate or lease up a property, then refinance into permanent financing once it is stabilized at the higher value.
Auction & fast close
Meet tight auction or bank-owned property deadlines with cash-like certainty in days, not the weeks a conventional loan requires.
1031 exchange
Hit the 45-day identification and 180-day closing clocks on a 1031 exchange without losing your replacement property to a competing buyer.
Cash-out to reposition
Unlock equity from a Florida property you already own to fund your next acquisition, renovation, or working capital need.
Why bridge in Florida
Why Florida investors and homeowners use bridge loans
- A hot market rewards speedIn competitive Florida metros, a fast, financing-contingency-free offer regularly beats a higher offer that takes longer to close.
- Equity is often tied upMany Florida owners have significant equity in a current property that a bridge loan can unlock or bridge past before a sale closes.
- Renovation and lease-up windows are realA value-add Florida property often is not “bankable” on day one; a bridge loan carries you to the point where it is.
- Deadlines don’t wait for underwritingAuctions, REO sales, and 1031 exchange clocks move on their own schedule, and Florida bridge loans are built to move with them.
Florida-specific underwriting
What makes a bridge loan in Florida different
Florida real estate has its own risks and closing mechanics. Because we lend in Florida every day, we plan for them up front so your bridge loan closes on schedule:
Condo & association review
For Florida condos we look at association financials, reserves, milestone inspection and structural reserve study status, and special assessments before sizing the loan.
Insurance & flood zones
Windstorm, homeowners, and flood coverage affect both cost and closing. We flag flood zone and insurability early so there are no surprises at the table.
Closing costs & taxes
Florida generally charges documentary stamp tax on promissory notes and intangible tax on recorded mortgages. Your term sheet shows the lender-side costs; your title agent confirms the rest.
Waterfront & older homes
Seawalls, docks, roofs, and aging systems matter on canal-front and older properties. We build inspections and renovation scope into the plan.
Seasonal & foreign buyers
Many Florida purchasers are snowbirds, relocators, or foreign nationals buying through an LLC. Our program is set up for entity and foreign national borrowers.
Hurricane-season timing
Storm season can slow inspections, insurance binding, and contractors. A fast bridge loan helps you lock in a deal and keep the exit plan on track.
Free tool
Florida bridge loan calculator
This tool estimates your loan amount, interest-only payment, and total financing cost over a Florida bridge loan term. Enter your numbers to see the estimate. Illustrative only; final terms depend on the property, leverage, and underwriting.
Your deal
Illustrative only; not a commitment to lend. Excludes title, escrow, insurance, and other third-party closing costs. There is no prepayment penalty, so paying the loan off before the full term reduces total interest paid below this estimate. The interest rate and points are example inputs, not a quote.
How we compare
CambridgeHomeLoan vs. conventional Florida lenders
Banks and conventional mortgage lenders can offer excellent long-term rates, but they are generally not built to close in days or to lend against a property’s after-repair or stabilized value. Here is how our Florida bridge loan program typically differs. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Conventional Lenders (typical) |
|---|---|---|
| Qualifies on | Property value, plan & exit strategy | Borrower income plus the property |
| Documentation | Streamlined – asset-based | Full financials and tax returns |
| Time to close | As fast as 5 days | Often 30-45+ days |
| Prepayment penalty | None – exit anytime | Varies; some products penalize early payoff |
| Auction & REO purchases | Underwritten as routine business | Financing contingencies often disqualify the offer |
| Value-add properties | Lends against completed/stabilized value | Often will not lend until stabilized |
| Model | Direct lender since 1998 | Bank or agency-backed |
Conventional-lender column is a generic composite of commonly seen terms as of 2026, subject to change, and does not describe any specific lender. For general comparison only.
Local markets
Bridge loans in Florida by city
Speed matters differently depending on where and what you’re buying – a Miami condo cash-out, an Orlando buy-before-sell, and a Cape Coral canal-front auction property are different timelines with different exit plans. Here is what we typically see when we write bridge loans in 12 of Florida’s most active markets:
Bridge Loans Miami
Brickell, Edgewater, Coral Gables, and Miami Beach reward buyers who can close fast. Bridge financing helps investors win condo and luxury single-family deals without a financing contingency, and recycle equity into the next one.
- Popular programs: Cash-out, 1031 replacement, buy-before-sell
- What we underwrite: Condo association financials, milestone inspection and reserve study status, flood zone, windstorm insurance
- Typical exit: Sale or refinance into a DSCR rental loan
Bridge Loans Orlando
From Winter Park and Lake Nona to Kissimmee, steady population growth keeps good inventory moving quickly. Investors use bridge loans to buy single-family rentals, townhomes, and vacation-rental homes near the theme parks, while owners use them to move before their home sells.
- Popular programs: Buy-before-sell, acquisition, reposition
- What we underwrite: HOA and short-term-rental rules, rent or vacation-rental income, renovation scope
- Typical exit: DSCR refinance or sale
Bridge Loans Tampa
We are headquartered in Tampa, so South Tampa, Seminole Heights, Brandon, and Riverview are markets we know well. Cash-out bridge loans let owners with strong appreciation reposition equity into additional Tampa Bay acquisitions.
- Popular programs: Cash-out, reposition and stabilize, 1031
- What we underwrite: Flood zone and evacuation-zone insurance costs, roof and system age, comparable sales
- Typical exit: Sale, or refinance once renovations are complete
Bridge Loans Jacksonville
Relatively affordable pricing and older housing stock in Riverside, San Marco, Springfield, and Arlington make Jacksonville a natural fit for buy, renovate, and refinance strategies. The bridge loan carries the project until the property is ready for permanent financing.
- Popular programs: Reposition and stabilize, acquisition, auction
- What we underwrite: Renovation budget, after-repair value, roof, plumbing, and electrical condition
- Typical exit: DSCR refinance on a stabilized rental, or resale
Bridge Loans Fort Lauderdale
Las Olas, Victoria Park, Wilton Manors, and the canal-front neighborhoods across Broward often need a fast, flexible closing to beat a slower buyer. Bridge loans also support 1031 replacement purchases and small multifamily acquisitions.
- Popular programs: Acquisition, 1031, cash-out
- What we underwrite: Seawall and dock condition, elevation and flood zone, insurance availability
- Typical exit: Sale or long-term refinance
Bridge Loans St. Petersburg
Downtown redevelopment, Grand Central, Kenwood, and Old Northeast drive demand for renovation and small mixed-use projects. Bridge financing is common for investors repairing, elevating, or repositioning properties before refinancing.
- Popular programs: Reposition and stabilize, acquisition, cash-out
- What we underwrite: Storm-repair scope and permits, flood zone, mixed-use zoning, renovation timeline
- Typical exit: Refinance after stabilization, or sale
Bridge Loans Naples
In Old Naples, Pelican Bay, Port Royal, and nearby Marco Island, higher price points and seasonal owners make timing everything. Qualified buyers use buy-before-sell bridge loans to secure a move-up home without waiting on their current sale.
- Popular programs: Buy-before-sell, acquisition, cash-out
- What we underwrite: High-value appraisal support, HOA or club requirements, wind and flood insurance
- Typical exit: Sale of current home or refinance
Bridge Loans Sarasota
Siesta Key, Lido Key, downtown Sarasota, and Lakewood Ranch see consistent 1031 exchange activity from investors trading into Gulf Coast property. A bridge loan protects the tight replacement-property deadlines.
- Popular programs: 1031, acquisition, buy-before-sell
- What we underwrite: Barrier-island flood and coastal construction rules, condo reserves, exchange timeline
- Typical exit: Close of exchange, then sale or refinance
Bridge Loans West Palm Beach
Continued relocation into Palm Beach County keeps competition high in Northwood, El Cid, Flamingo Park, and surrounding neighborhoods. Fast, certain bridge financing helps buyers compete and lets owners reposition equity.
- Popular programs: Acquisition, cash-out, reposition
- What we underwrite: Entity or trust vesting, out-of-state and foreign buyers, flood zone, comparable sales
- Typical exit: Sale or permanent refinance
Bridge Loans Fort Myers
Rebuilding and growth across downtown, Gateway, and the surrounding area make Fort Myers a strong market for reposition and stabilize loans. Investors buy damaged or dated property, renovate, and refinance into permanent financing.
- Popular programs: Reposition and stabilize, acquisition, 1031
- What we underwrite: Permit status, substantial-damage and elevation requirements, contractor schedule, insurance
- Typical exit: Refinance after repairs, or resale
Bridge Loans Tallahassee
A steadier inland market anchored by state government, Florida State University, and FAMU. Investors use bridge loans for small multifamily and student-oriented rentals near campus and Midtown, and owners use them for straightforward buy-before-sell moves.
- Popular programs: Acquisition, buy-before-sell, reposition
- What we underwrite: Lease terms and academic-calendar vacancy, rent roll, renovation scope
- Typical exit: DSCR refinance on a stabilized rental
Bridge Loans Cape Coral
A high volume of canal-front resales plus auction and bank-owned properties make fast-close bridge loans a frequent request. Gulf-access canals add value but also add diligence, and we plan for it from day one.
- Popular programs: Auction and REO, reposition, acquisition
- What we underwrite: Seawall and dock condition, flood elevation, storm-repair history, title and tax status on auction purchases
- Typical exit: Resale or refinance after repairs
We provide bridge loans all over Florida – if your city is not listed here, please call (800) 826-5077 or submit the application so that we can check.
How it works
Get your Florida bridge loan in three steps
Submit your deal
Tell us the property, the purchase price or value, your timeline, and how you plan to exit the bridge loan.
Get a same-day term sheet
We review the property, your leverage request, and your exit plan – with streamlined documentation – and send clear terms.
Close fast
We order title and valuation and move quickly to close, funding in as fast as 5 days when the file is complete.
Requirements
Florida bridge loan requirements
| Down payment / equity | As little as 10% on a purchase (up to 90% LTV); equity position confirmed for cash-out at up to 75% of value |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Income docs | Streamlined – asset-based; no exhaustive personal financial package required |
| Rate & term | Interest-only from 7.875%, subject to change · 12-36 month terms · no prepayment penalty |
| Exit strategy | Sale, refinance to permanent financing, or completion of the underlying transaction (1031 exchange, current-home sale, etc.) |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Coverage | All 67 Florida counties, residential and investment property |
Answers
Bridge loans Florida FAQ
What is a bridge loan in Florida?
A bridge loan is short-term, asset-based financing that carries you from where you are today to where your permanent financing or exit strategy will take you. It is secured by the Florida property itself, priced as interest-only, and structured over a 12-36 month term with no prepayment penalty, so you can repay it whenever your sale or refinance closes.
In Florida, we structure bridge loans for six main purposes: acquisition, cash-out, reposition and stabilize, auction and REO purchases, 1031 exchanges, and residential buy-before-sell moves.
What are current bridge loan rates in Florida?
Our Florida bridge loan rates are interest-only and start from 7.875%, subject to change based on the property, your leverage, and your exit plan. Points and fees vary by deal. Use the calculator above for an estimate, or apply for a same-day term sheet with exact terms.
How much can I borrow, and what does it cost?
On a purchase, we lend up to 90% of the property’s value. On a cash-out bridge loan against a property you already own, we lend up to 75% of value. Terms run 12-36 months.
There is no prepayment penalty, so if your permanent financing or sale closes ahead of schedule, you simply pay off the bridge loan and stop accruing interest.
How fast can a Florida bridge loan close?
We can close in as fast as 5 days once title work and the property valuation are complete, which is why bridge loans are often used to meet auction deadlines, REO purchase timelines, and 1031 exchange clocks that a conventional mortgage cannot match.
The fastest closings happen when your file is complete early: the purchase contract or payoff information, entity documents if applicable, and proof of funds for any required down payment or equity.
What is the difference between an acquisition bridge and a cash-out bridge?
An acquisition bridge loan finances the purchase of a new property, up to 90% of its value. A cash-out bridge loan is secured by a property you already own, up to 75% of its value, and is used to unlock equity for a new acquisition, a renovation, or working capital.
Many investors use both in sequence: a cash-out bridge on an existing property to fund the down payment on an acquisition bridge for the next one.
Can a bridge loan help with a 1031 exchange in Florida?
Yes. A 1031 exchange comes with strict deadlines – 45 days to identify a replacement property and 180 days to close on it – and those clocks do not pause for a slow mortgage process. A 1031 bridge loan gives you the short-term capital to close on your Florida replacement property on time.
Once the exchange is complete, the bridge loan is typically repaid through a sale or refinanced into permanent financing. Talk to your qualified intermediary and tax advisor about your specific exchange.
Can I use a bridge loan to buy an auction or bank-owned (REO) property?
Yes. Auction and REO sellers often require proof of funds or a very short closing window that a financing contingency cannot meet. Our auction and REO bridge program is built to provide that certainty of close in days, so your offer can compete on the same footing as a cash buyer.
Can I use a bridge loan to buy my next home before my current one sells?
Yes. Our residential buy-before-sell bridge loan lets you close on your next home – or investment property – before your current one sells, so you are not forced into a contingent offer or a rushed sale. Once your existing property sells, the proceeds typically repay the bridge loan.
Do you offer bridge loans on Florida condos?
Yes, case by case. For condos we review the association’s financials, reserves, special assessments, and milestone inspection or structural reserve study status, since these affect both value and insurability. Send us the condo name and address and we will tell you quickly whether it fits.
Can LLCs and foreign nationals get a bridge loan in Florida?
Yes. We lend to individuals, LLCs, and other entities, and foreign nationals are eligible. Entity documents are part of the file, so having them ready speeds up closing.
What are the closing costs on a Florida bridge loan?
Costs typically include lender points and fees, the valuation, title and escrow charges, insurance, and Florida’s documentary stamp tax on the note and intangible tax on the recorded mortgage, where they apply. Your same-day term sheet shows our costs, and your title agent confirms the Florida taxes and third-party fees for your transaction.
How do I choose a bridge lender in Florida?
Compare speed to close, leverage, prepayment terms, how the lender qualifies the deal, and whether it is a direct lender that controls its own approvals and funding. We are a direct lender since 1998, with no prepayment penalty and a same-day term sheet.
What happens at the end of the bridge loan term?
Most borrowers exit a bridge loan one of two ways: by selling the property, or by refinancing into permanent, longer-term financing once the underlying situation – a completed renovation, a stabilized lease-up, a closed 1031 exchange, or a sold prior residence – has resolved. Because there is no prepayment penalty, you can also exit early at any point without an early-payoff cost.
Keep exploring
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© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Bridge loans are short-term, business-purpose loans and, where applicable, residential bridge loans for owner-occupants transitioning between homes; not all programs are available in all circumstances. Rates, points, LTV, terms, and closing timelines are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. “Rates from 7.875%,” “up to 90% LTV,” and other maximums reflect the strongest profiles and are not a quote or commitment to lend. Values are estimates confirmed by an appraisal or valuation. Calculator results are illustrative and exclude title, escrow, insurance, and other third-party closing costs. Florida documentary stamp and intangible taxes, where applicable, are paid at closing and confirmed by the title agent. Comparison figures are generic market composites for illustration only and are not the terms of, or an endorsement of or by, any specific lender. City descriptions are general market observations for illustration only and are not property-specific advice or a guarantee of program availability. Illustrations on this page are artwork and do not depict specific properties. This page is informational and does not constitute financial, legal, tax, or investment advice.