Specialty Financing

Real Estate Bridge Loans

Short-Term Financing. Long-Term Investment Opportunities.

Short-term business-purpose financing for investors acquiring, renovating, repositioning, or refinancing eligible investment properties.

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Business-purpose financing

In plain words

Short-term, interest-only business-purpose financing for investors acquiring, renovating or leveraging investment properties, with a plan to sell or refinance.

Benefits

  • Short loan terms with interest-only payments, which keep monthly payments lower during the project.
  • Built for a clear exit: sell the property or refinance into a long-term rental loan.
  • Some programs look at the expected value after repairs for renovation projects.
  • Some short-term programs have no prepayment charge.

Eligible property types

  • Single-family homes, condos, townhomes and 2 to 4 unit buildings held as investments.
  • Other investment property types, depending on the program and the project.

Financing purposes

  • Purchase of an investment property.
  • Cash-out refinance to put existing equity to work.
  • Renovation and fix-and-flip projects, with some programs.

General qualification considerations

  • Short loan terms with interest-only payments, which keep monthly payments lower during the project.
  • You need a clear plan to repay the loan, usually by selling the property or refinancing into a long-term rental loan.
  • For renovation projects, lenders ask for the renovation budget and the expected value after repairs.
  • Lenders focus on the property and its value, along with your credit and your experience with similar projects.
  • Some short-term programs have no prepayment charge. Ask before you choose a loan.

Basic documentation checklist

Do not send documents through the inquiry form. After we talk, our team explains how to share them securely.

See the full document checklist

  • Purchase contract, or the current mortgage statement for a refinance.
  • Renovation budget and scope of work, for a project with improvements.
  • Estimate of the after-repair value, if renovating.
  • List of other properties you own, including past projects.
  • Entity documents, if a company will own the property, and photo ID.
  • Insurance information.

Frequently Asked Questions

What is a bridge loan?

A short-term loan, usually with interest-only payments, used to buy or reposition an investment property until you sell it or refinance into a long-term loan.

Can the loan help pay for renovations?

Some programs are built for renovation and fix-and-flip projects and look at the expected value after repairs. It depends on the program and the project.

How do I pay off a bridge loan?

Usually by selling the property or refinancing it into a long-term rental loan once the work is done.

Do I need experience?

Experience with similar projects helps and may be required. Tell us about your past projects.

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Related programs and tools to help you prepare.

Related programs

Tools and guides

Request financing for this program

Send a short inquiry with the basics about your property. Our team will review it and contact you to discuss available options.

Request Financing Call 516-777-0385

Financing disclosure

Plan A Realty Corp. facilitates business-purpose investment and commercial real estate financing. All programs are subject to lender availability, underwriting requirements, borrower and property eligibility, and applicable laws. Submission of an inquiry does not constitute loan approval or a commitment to lend.

Investment and business-purpose properties only. Homes you or your family will live in are not part of this financing center.

Contact Plan A Realty Corp.