Bridge Loans Sarasota
Sarasota moves on Gulf coast arts and STR demand. Whether you are buying in Downtown Sarasota, Gillespie Park, or elsewhere in Sarasota County, our bridge loan closes fast so you can reposition, then refinance or sell.
- 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
- Downtown Sarasota, Gillespie Park, Laurel Park & Siesta Key-adjacent blocks
- 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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Sarasota 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: Short-term-rental and reposition in Sarasota – fast-close purchases, short-term-rental and reposition across Downtown Sarasota and Gillespie Park, 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 Sarasota
What is a bridge loan in Sarasota?
In Sarasota, a bridge loan lets you act on Gulf coast arts and STR demand without waiting on a permanent loan. We lend up to 95% of cost across Downtown Sarasota, Gillespie Park and the rest of Sarasota County, then you sell or refinance to a 30-40 year DSCR loan.
| 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 | Sarasota and Sarasota County – Downtown Sarasota, Gillespie Park, Laurel Park, Siesta Key-adjacent blocks |
Eligible properties
Sarasota 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
Sarasota 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.
Sarasota market data
Sarasota 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.
Sarasota bridge deals by the numbers (2026)
- Local driver: Gulf coast arts and str demand keeps Sarasota demand active from Downtown Sarasota to Gillespie Park.
- Speed wins: competitive Sarasota deals close faster with an asset-based bridge – as few as 5 days.
- Flexible exit: sell into Sarasota demand, or refinance to a 30-40 yr DSCR loan (short-term-rental and reposition).
Market context is qualitative and provided for illustration only; figures are third-party estimates confirmed per deal by appraisal.
Sarasota submarkets
Where Sarasota bridge deals pencil
In Sarasota, bridge deals pencil across Downtown Sarasota, Gillespie Park, Laurel Park – here are representative submarkets and where the numbers tend to work.
| Market | Typical price band (2026)* | Bridge angle |
|---|---|---|
| Downtown Sarasota | $450K-$900K | Cash-out – short-term-rental and reposition |
| Gillespie Park | $450K-$900K | Stabilize – short-term-rental and reposition |
| Laurel Park | $450K-$900K | Fast close – short-term-rental and reposition |
| Siesta Key-adjacent blocks | $450K-$900K | Value-add – short-term-rental and reposition |
*Approximate 2026 ranges for illustration – verify current comps for the specific address (an appraisal sets the value we lend against).
Free tool
Sarasota 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 Sarasota 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 Sarasota bridge deal
A Sarasota 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
Sarasota 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
Sarasota 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
Sarasota bridge loan FAQ
Why use a bridge loan in Sarasota?
Sarasota deals – driven by Gulf coast arts and STR demand – can move fast from Downtown Sarasota to Gillespie Park. 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 Sarasota 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 Sarasota numbers.
Keep exploring
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(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.