Bridge Loans for Speed, Certainty, and Clean Exits
Move quickly on acquisitions and value-add opportunities across Texas & Florida—asset-focused, investor-friendly terms.
Speed
Fast term sheets and responsive updates start to close.
Flexibility
Acquisition, rehab, refinance, rescue capital.
Asset-Focused
Underwriting built for value-add and special situations.
Exit-Ready
Plan for perm DSCR or conventional take-out on day one.
What a Bridge Loan Is
A commercial real estate bridge loan is short-term financing designed to help investors move quickly on time-sensitive opportunities or bridge the gap between acquisition and stabilization.
Unlike conventional investor CRE loans that require seasoned cash flow and extensive documentation, bridge loans focus on the asset's potential value and your exit strategy. They're ideal for acquisitions with tight closing windows, properties needing rehab or lease-up, or situations where you need capital fast.
Bridge loans typically feature interest-only payments, flexible draw schedules for improvements, and terms ranging from 6 to 36 months with extension options. The goal is always a clear exit—whether through refinancing into permanent DSCR or conventional financing once the property is stabilized, or through sale.
Acquisition
Close quickly on off-market or time-sensitive deals
Rehab / Lease-Up
Execute improvements and stabilize occupancy
Stabilization
Achieve target NOI and occupancy metrics
Exit
Refinance to permanent loan or sell at premium
Common Use Cases
Bridge loans solve time-sensitive challenges and unlock value-add opportunities across diverse commercial real estate scenarios.
Acquisition with Short Fuse
Off-market opportunities, auction purchases, or 1031 exchange timing that require fast closings without extensive documentation delays.
Rehab / CapEx
Light cosmetic updates to heavy value-add renovations with flexible draw schedules tied to construction milestones and inspections.
Lease-Up or Seasoning
Bridge the gap while you stabilize occupancy and cash flow to qualify for permanent DSCR or conventional investor financing.
Rescue Capital / Maturing Debt
Refinance maturing loans or resolve distressed situations quickly with asset-focused underwriting and flexible structures.
Portfolio Consolidation
Consolidate multiple properties or buy out partners with bridge financing that focuses on the asset portfolio's combined value.
Typical Structures & Terms
Illustrative only; actual terms are scenario-dependent.
Loan Purpose
Purchase, refinance, cash-out, or rescue capital
Payment Structure
Interest-only with flexible draw schedules for improvements
Term Length
Typically 6-36 months with extension options available
Recourse
Varies by scenario—recourse, non-recourse, or hybrid structures
Prepayment
Flexible prepayment options; terms vary by lender and structure
Third-Party Reports
Appraisal, environmental, title work as needed per scenario
Note: LTC/LTV ranges, rate structures, and specific terms vary significantly based on property type, location, borrower experience, exit strategy, and market conditions. Schedule a call to discuss your specific scenario.
Eligibility Snapshot
Bridge loans are designed for investor deals with clear value-add strategies and realistic exit plans.
Investor Deals Only
Non-owner-occupied commercial properties. Owner-occupied deals are not eligible for bridge financing.
Property Types
- Multifamily (2-5+ units)
- SFR portfolios
- Mixed-use
- Retail centers
- Light industrial
- Self-storage
- Hospitality (scenario-dependent)
- Land with strong take-out plan (select cases)
Markets Served
Texas & Florida
Major metros and secondary markets across both states. Specific submarkets evaluated case-by-case.
Borrower Profile
- Experience helpful (new investors considered case-by-case)
- Entity/LLC preferred
- Sufficient liquidity for down payment + rehab + reserves
- Clear exit strategy (refinance or sale)
Commonly Requested Documentation (Scenario-Dependent)
Deal Scenarios
Real-world examples illustrating how bridge loans solve diverse investor challenges across Texas and Florida.
Fix & Flip, Small Balance TX
Houston, TX
Inputs
- Purchase price: $180k
- Rehab budget: $40k
- ARV: $280k
- Timeline: 6 months
Structure
- Bridge loan: 85% LTC
- Interest-only payments
- Draw schedule tied to milestones
- 12-month term with 6-month extension option
Exit
Sale at completion; net proceeds after payoff and costs.
Lessons Learned
Realistic rehab budgets and contractor vetting are critical. Build in contingency and plan for inspection delays.
Value-Add Multifamily FL
Tampa, FL
Inputs
- Purchase price: $2.1M
- Unit improvements: $150k
- Current occupancy: 75%
- Stabilized NOI target: $220k
Structure
- Bridge loan: 75% LTV
- Interest-only with improvement draws
- 18-month term
- Exit to DSCR loan at stabilization
Exit
Refinance to permanent DSCR investor loan in 9-12 months once NOI and occupancy targets are met.
Lessons Learned
Focus on NOI lift through unit upgrades and lease-up. Start DSCR take-out conversations early to ensure smooth transition.
Refi Rescue Retail
Austin, TX
Inputs
- Property value: $1.8M
- Maturing debt: $1.2M
- Current occupancy: 60%
- Timeline: 45 days to maturity
Structure
- Bridge refinance: 70% LTV
- Interest-only
- 24-month term with extensions
- Focus on tenant stabilization
Exit
Stabilize tenancy to 85%+ occupancy, then refinance to conventional CRE investor loan with better terms and longer amortization.
Lessons Learned
Asset-focused underwriting saved the deal despite tight timeline. Clear communication with existing lender and title company was essential.
The Process
Three straightforward steps from initial conversation to funded deal.
Book a Call
Outline your deal in minutes. We'll discuss property details, timeline, rehab scope, and exit strategy to determine if bridge financing is the right fit.
Options & Term Sheet
Compare structures and trade-offs clearly. We'll present multiple scenarios with transparent terms, helping you choose the best path forward for your investment.
Diligence & Close
Efficient documentation, title work, appraisal coordination, and funding. We manage the process to keep your closing on track and minimize surprises.
Draw Management for Rehab
Flexible draw schedules tied to construction milestones ensure capital is available when you need it.
Milestone Reached
Complete construction phase per approved scope and budget
Inspection
Third-party or lender inspection verifies work completion
Release
Funds released for completed work; process repeats
Best Practices for Draw Management
- •Build realistic budgets with 10-15% contingency for unexpected costs
- •Vet contractors thoroughly and verify licensing, insurance, and references
- •Maintain detailed records of all work completed and invoices paid
- •Obtain lien waivers from contractors and subcontractors for each draw
- •Communicate proactively with lender about timeline changes or scope adjustments
- •Schedule inspections in advance to avoid funding delays
Markets We Serve
Texas & Florida
Major metros and secondary markets across both states. Specific submarkets and property types evaluated case-by-case based on market fundamentals and exit strategy.
Typical Loan Sizes
$250k – $25M+
We work with deals of all sizes, from small-balance fix-and-flips to large multifamily and commercial portfolios. Loan structure and terms vary based on deal specifics.
Quick Questions?
Exit Planning: Permanent Take-Out
Bridge loans are designed with the end in mind. Plan your exit strategy from day one for a smooth transition to permanent financing or sale.
DSCR Investor Loan
Refinance to permanent DSCR financing once the property is stabilized with consistent cash flow. Ideal for multifamily, SFR portfolios, and income-producing commercial assets.
Continue ReadingConventional CRE (Investor)
Transition to conventional commercial real estate financing for larger, fully stabilized properties with strong NOI and occupancy. Longer terms and competitive rates for qualified deals.
Continue ReadingFrequently Asked Questions
Clear answers to common questions about bridge loans, timelines, and the financing process.
Ready to Move Fast? Book a Call.
Schedule a consultation to discuss your deal, explore financing options, and get a clear path forward.
Helpful Resources
Explore guides and insights to help you make informed financing decisions.
Bridge Loans for Fix & Flip: From Offer to Exit
A comprehensive guide to using bridge financing for fix-and-flip projects, including budgeting, draw management, and exit strategies.
DSCR Loans Explained: Qualifying on Cash Flow
Learn how DSCR loans work, what lenders look for, and how to position your property for permanent financing after your bridge loan.
When Conventional CRE Beats Bridge
Understand when conventional commercial real estate financing makes more sense than bridge loans for your investment strategy.
Important Disclosure: All terms, structures, rates, and timelines presented on this page are illustrative examples only and are subject to change based on individual deal characteristics, market conditions, lender requirements, and borrower qualifications. Closing speed, leverage ratios, and specific loan structures vary significantly by scenario. Divine Capital Collective makes no guarantees or promises regarding loan approval, terms, or closing timelines. This information does not constitute a loan commitment or offer to lend. All financing is subject to credit approval, satisfactory appraisal, title review, and lender underwriting. We encourage you to schedule a consultation to discuss your specific situation and receive accurate, personalized guidance.