Stabilized Bridge
For LLCs and corporations buying or refinancing a finished property that needs no renovation money, with a short loan until they sell it or move it to a long-term rental loan.
Or call or text Tyler at 408-459-8133.
At a glance
The terms
Terms as of November 8, 2026. Subject to approval by underwriting.
- Loan size
- $50,000 – $1,000,000; larger loans up to $3,000,000 reviewed case by case
- Leverage
- Up to 90% of cost, 70% of value
- Exit DSCR
- 1.10 DSCR at exit on properties not newly renovated
- Term
- 12 months, extendable by up to 50% of the term for a fee
- Credit
- 660 minimum; 680 for newer investors
- Rate and points
- From your personalized quote
Terms as of November 8, 2026. Up to the limits shown; subject to approval by underwriting.
A non-binding estimate as of November 8, 2026; not a pre-approval or pre-qualification. Terms as of November 8, 2026.
Who it's for
Investors with a finished property to sell or refinance
- An LLC or corporation buying or refinancing a finished property: new, fully renovated, or livable as it stands.
- Investors bridging to a sale or a long-term rental loan. A property that needs repairs belongs on Fix & Flip.
- Guarantors with a 660+ mid-score (680+ for newer investors).
Not eligible Property types, locations and borrowers
Property types
- Mixed use
- 5+ units
- Condotels
- Co-ops
- Mobile or manufactured homes
- Commercial property
- Cabins and log homes
- Oil and gas lease property
- Leasehold property
- Operating farms, ranches and orchards
- Vacation or seasonal rentals
- Unique, exotic or luxury property
- Unpaved or dirt-road access
- Rural property
Locations
- Property in Arizona, California, Idaho, Minnesota, Nevada, North Carolina, North Dakota, Oregon, South Dakota, Utah or Vermont
- Lee, Charlotte, Sarasota and Collier counties in Florida
Borrowers and use
- Individuals: borrow through an LLC or corporation
- Owner-occupied, personal or family use
What you'll need
Documents for a bridge loan
You don't need all of this to start. Tyler tells you what's due when.
- The purchase contract (purchases), plus the contracts from each earlier sale if a wholesaler assigned it
- The settlement statement from your purchase and a payoff letter if an existing loan is being paid off (refinances)
- A personal financial statement for each guarantor
- Your track record on the track record template we provide, with every column filled in; closing statements for past projects; and, if past projects were held in a different entity, that entity's filing information, EIN letter and operating agreement
- A condo questionnaire for a condo; a letter of explanation for first-time borrowers or a new market; and your real estate or general contractor license if you are claiming professional status
- Entity documents: Certificate of Formation, EIN letter, Operating Agreement and a recent Certificate of Good Standing with the state's seal
- An attorney opinion letter when the loan is over $1,000,000 (over $500,000 in New Jersey and New York, over $2,000,000 in Hawaii)
Insurance: General liability of $1,000,000 per occurrence and $2,000,000 aggregate, or $1,000,000 per occurrence with no aggregate. Mortgagee clause: provided at closing.
Five questions
Tell Tyler about your deal
Questions
Stabilized Bridge questions
What is a Stabilized Bridge loan?
A short loan on a finished property that needs no renovation money: new, fully renovated, or livable as it stands. You buy or refinance the property, then sell it or move it to a long-term rental loan. Loans run from $50,000 to $1,000,000; larger loans, up to $3,000,000, are reviewed case by case by Tyler. Leverage reaches 90% of cost and 70% of value, for 12 months. A property that needs repairs belongs on Fix & Flip. Tell Tyler about your deal or apply online.