Rates from 8.99%Bridge loans for real estate investors
Close quickly, then sell or refinance.
All about our bridge loans
- As-is appraisal only, no after-repair value needed
- No-fee alternative valuation for eligible properties
- Self-funded cosmetic rehab allowed, up to 25%
- Up to 80% LTV on purchases and 75% on refinances
- Optional interest reserves
- First-time buyers welcome
- 12 to 18-month terms
- Loans from $300K to $10MM
- Minimum 620 FICO
How a bridge loan can work for you
- Buy time: close now, then sell or refinance into long-term financing once the property is ready.
- Act on market timing while keeping your other assets in place.
Bridge Loans program details
| Loan purpose | Purchase or refinance of a complete, marketable property; cosmetic work only |
|---|---|
| Interest rate | As low as 8.99%1 |
| Loan amount | $300K to $10MM; requires exposure limit approval |
| Term | 12 to 18 months |
| Borrower | Individual or entity |
| Experience | First-time buyers welcome11 |
| Minimum credit score | 620 |
| Maximum loan-to-value | 80% on purchase; 75% on refinance (LTV and LTC)4 |
| Valuation | As-is appraisal only, no after-repair value; no-fee alternative valuation for eligible properties |
| Cost basis | Purchases, and refinances of properties owned more than 180 days |
| Rehab allowance | Up to 25%, cosmetic only and self-funded |
| Interest reserves | Optional |
| Property types | Single-family homes, 2–4 units, 5–20 units, mixed-use, condos |
How it works
- Request a quote.Tell us about the property, your plan, and the loan amount you need. It takes a few minutes.
- Compare offers.We shop the deal across private lenders, family offices, and commercial capital sources and bring you up to three offers.
- Close and fund.We coordinate documents, valuation, and title with the lender you choose through closing.
Questions about bridge loans
What is a bridge loan used for?
A bridge loan is short-term financing to buy or refinance a property quickly, then repay through a sale or a long-term refinance. These loans are sized on the property's as-is value, and allow up to 25% for self-funded cosmetic work.
What credit score do I need?
Bridge loan programs typically start at a 620 FICO score. Final qualification and pricing depend on the property, leverage, and exit strategy.
Do I need investing experience?
No. Bridge loans are available at all experience levels, and first-time buyers are welcome.
Can foreign nationals qualify?
Eligibility depends on lender guidelines, the borrower profile, and how the transaction is structured.
Does B-Line Capital lend directly?
No. B-Line Capital is a private money broker. It compares offers from multiple private lenders, family offices, and commercial capital sources so you can choose the best rate and terms.
What fees are involved?
B-Line Capital's broker fee typically ranges from 0.5 to 2 points depending on deal size and complexity. Fees are disclosed on your closing statement and are not charged until your loan funds.
Find out what B-Line can do for you
Compare offersFrom up to 3 lendersGet a quote for a loan program that’s tailored to your needs
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Written and reviewed by Michael Schatz, Founder & Chief Lending Strategist of B-Line Capital
Michael Schatz 
Founder & Chief Lending Strategist, B-Line Capital
Michael Schatz leads B-Line Capital, a private money brokerage that helps real estate investors, builders, and developers finance rental, bridge, fix & flip, construction, and commercial bridge loans by comparing offers from private lenders, family offices, and commercial capital sources.
His expertise includes private money lending, hard money loans, DSCR lending, bridge and construction financing, commercial real estate debt placement, structured data strategy, and AI visibility optimization for modern search and answer engines.
Areas of expertise:
- Private Money Lending
- Hard Money Loans
- Rental Property Loans
- DSCR Loans
- Investment Property Loans
- Bridge Loans
- Fix & Flip Loans
- Construction Loans
- Commercial Bridge Loans
- Debt Placement & Capital Structuring
- Structured Data Strategy
- AI Visibility Optimization