Bridge Loans
Close in days, not months. A bridge loan finances your next real estate move on the deal - not your income - so you can buy before you sell, win a time-sensitive purchase, or reposition a property, then exit by selling or refinancing. Residential and commercial, nationwide.
- Asset-based - we lend on the property, not your tax returns
- Up to 80% of value · 90% LTC · up to 75% ARV on value-add
- Interest-only, 6-24 month terms · no prepayment penalty
- SFR, 2-150 unit, multifamily, mixed-use, commercial & land
- Close in as few as 5-7 days · in-house DSCR / permanent exit
Bridge Loans - Key Facts (2026)
- What it is: A short-term, asset-based loan that bridges a timing gap - funded on the property, not your personal income.
- Best for: Buy before you sell, fast closings, value-add repositions, auctions, and 1031 timing.
- Leverage: Up to 80% of as-is value · 90% of cost · up to 75% ARV. Rates: from ~8.5% · 1-3 points.
- Terms: 6-24 months, interest-only, with extension options. Funding: as fast as 5-7 days · no prepay penalty.
- Property types: SFR, 2-150 unit, multifamily, mixed-use, office, retail, industrial, self-storage, hospitality & land.
- Lender: CambridgeHomeLoan.com - direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Bridge financing
What is a bridge loan?
A bridge loan is short-term real estate financing that closes the gap between where you are and where you are going - buying a new property before your current one sells, funding a fast or competitive purchase, or repositioning an asset before a refinance. Because it is asset-based, a bridge loan qualifies on the property's value and your exit plan, not on tax returns or W-2s. Terms run 6-24 months, interest-only, and you exit by selling or refinancing to permanent debt. We lend up to 80% of as-is value, up to 90% of cost on value-add, and fund in as few as 5-7 days.
| Secured by | The property (asset-based) - no personal income used |
| Max leverage | Up to 80% of value · 90% of cost · up to 75% ARV (value-add) |
| Rates from | ~8.5% (deal-dependent) · 1-3 points |
| Terms | 6-24 months interest-only · extension options · no prepay penalty |
| Funding speed | As fast as 5-7 days · same-day term sheet |
| Exit | Sale, or refinance to a 30-40 yr amortized / DSCR loan |
| Coverage | Nationwide - residential & commercial |
Use cases
When to use a bridge loan
Bridge loans solve timing. The most common ways real estate investors and owners use ours:
| Buy before you sell | Purchase your next property now; repay when your current one sells |
| Fast / competitive close | Beat other buyers and hit tight contract deadlines |
| Value-add reposition | Acquire, renovate, and stabilize before a permanent refinance |
| Cash-out bridge | Pull equity fast to seize your next deal |
| Auction & proof of funds | POF letters and quick funding for competitive buys |
| 1031 exchange timing | Bridge the gap to satisfy exchange deadlines |
| Note payoff / discounted payoff | Refinance a maturing loan or capture a DPO |
| Construction completion | Finish a stalled project and carry to sale or refinance |
Eligible properties
Bridge loan property types
We bridge investment and business-purpose real estate across residential, multi-family, and commercial - plus land:
How we compare
CambridgeHomeLoan vs. top national bridge lenders
Investors shop bridge financing on leverage, speed, credit access, and cost. Here is how our program compares with the terms commonly advertised by the leading national bridge lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Bridge Lender 1 | Top National Bridge Lender 2 |
|---|---|---|---|
| Max LTV (as-is) | Up to 80% | 70-75% | 65-75% |
| Max LTC (value-add) | Up to 90% | 80-85% | 80% |
| Max ARV | Up to 75% | 65-70% | 70% |
| Rates from | ~8.5% | ~9-12% | ~9-14% |
| Min FICO | 620 (deal-first) | 660-680 | 650 |
| Term | 6-24 mo IO + extensions | 12-24 mo | 6-24 mo |
| Prepay penalty | None / flexible | Varies | Varies |
| Funding speed | As fast as 5-7 days | 2-4 weeks | 30-60 days |
| Property types | Residential + commercial + land | Varies | Commercial-focused |
| Model | Direct lender since 1998 | Fund / broker | Bank / fund |
"Top National Bridge Lender 1" and "Lender 2" are generic composites of terms commonly advertised across the bridge market as of July 2026 - not any single lender, and subject to change. For general comparison only.
Free tool
Bridge loan calculator
Enter the property value, any loan to pay off, and your target leverage to estimate your maximum bridge loan, interest-only payment, points, and net cash to you. Illustrative only; final loan uses an appraisal or valuation.
Your deal
Illustrative only; not a commitment to lend. Excludes some closing and holding costs. We confirm value with an appraisal or valuation.
2026 market context
Bridge loan rates & terms in 2026
Where the bridge market sits today - and how we price against it:
| Market rate range (2026) | ~8%-14%; most borrowers 9%-12% (interest-only) |
| Our rates from | ~8.5% for the strongest profiles · 1-3 points |
| Typical market LTV | 65%-75% as-is; we go up to 80% |
| Typical market credit floor | 650-680; we are deal-first at 620+ |
| Typical close | Banks 30-60 days; us as fast as 5-7 days |
| Pricing lever | Every ~5% less LTV can trim ~50-100 bps off the rate |
Sources: Stormfield Capital, Vaster, We Lend and AVANA Capital bridge-market data, 2026. Ranges are third-party market estimates for illustration; your terms depend on the deal and are confirmed at underwriting.
Bridge vs. other loans
Bridge loan vs. hard money vs. DSCR
Which short-term or rental loan fits your plan:
| Loan type | Best for | Term | Qualifies on |
|---|---|---|---|
| Bridge loan | Fast close, buy-before-you-sell, reposition | 6-24 mo, interest-only | The asset (value & LTV) |
| Hard money / fix & flip | Purchase + rehab projects | 12-24 mo, interest-only | Cost + after-repair value |
| DSCR loan | Long-term rental hold | 30-40 yr amortized | The property's rent (DSCR) |
Many investors use a bridge or fix & flip loan to acquire and stabilize, then refinance in-house to a DSCR loan for the long-term hold - one lender, start to finish.
Apply in minutes
Apply for your bridge loan
Same-day term sheet, no tax returns, and funding in as few as 5-7 days. Start your application below - or call (800) 826-5077.
Requirements
Bridge loan requirements
| Down / equity | As little as 10-20% at up to 80-90% leverage |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Income docs | None - asset-based; no tax returns or W-2s |
| Valuation | Appraisal or valuation (as-is; plus ARV on value-add) |
| Exit strategy | Sale or refinance within the term (we can provide the DSCR exit) |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
Answers
Bridge loan FAQ
What is a bridge loan in real estate?
A bridge loan is a short-term, asset-based loan that 'bridges' a timing gap - letting you buy before you sell, close fast on a time-sensitive deal, or reposition a property, then exit by selling or refinancing to permanent financing. It qualifies on the property (value and LTV), not your income.
How fast can you close a bridge loan?
As fast as 5-7 days once title and valuation are in - versus 2-4 weeks for many private lenders and 30-60 days for banks. We issue a same-day term sheet and fund on the asset, not tax returns.
What LTV and rates can I get on a bridge loan?
Up to 80% of as-is value (purchase or refinance), up to 90% of cost and 75% of ARV on value-add deals, with rates from ~8.5% and 1-3 points. Lower leverage earns better pricing.
Do I need income documentation or a minimum credit score?
No tax returns or income verification - bridge loans are asset-based. We are deal-first with 620+ FICO typical and exceptions considered, versus the 650-680 minimums common in the market.
What are the loan terms and is there a prepayment penalty?
Terms run 6-24 months, interest-only, with extension options - and no prepayment penalty on most programs, so you can exit the day you sell or refinance.
What is the exit strategy on a bridge loan?
Either a sale or a refinance into permanent financing. We can refinance your bridge in-house to a 30-40 year amortized DSCR loan on the stabilized rent - no tax returns - so it is a one-lender path from purchase to hold.
Can I use a bridge loan for commercial property?
Yes. We bridge residential (SFR, 2-4 unit), multifamily (up to 150 units), mixed-use, office, retail, industrial, self-storage, hospitality, and land - nationwide.
What can a bridge loan be used for?
Buy before you sell, fix-and-flip and value-add repositions, cash-out to seize a deal, auction and proof-of-funds purchases, 1031 exchange timing, discounted note payoffs, and construction completion.
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 and commercial properties only and are not available for primary residences. Rates, points, LTV, LTC, ARV, and terms are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. "Rates from ~8.5%" and "up to 80% LTV" 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 some closing and holding costs. Market and comparison figures are third-party estimates and generic market composites for illustration only and are not the terms of, or an endorsement of or by, any specific lender. This page is informational and does not constitute financial, legal, tax, or investment advice.
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