Bridge Loans for Rental Properties
Close in as Fast as 7 Days — Even When Banks Say No
The fastest way to acquire or refinance investment properties when timing is everything.
Get Bridge Loan Quote Today →What Are Bridge Loans for Rental Properties?
A bridge loan for rentals is a short-term (6–24 month), asset-based loan that lets real estate investors buy or refinance an investment property immediately — before their long-term financing (DSCR, conventional, etc.) is ready.
Think of it as high-speed capital that “bridges” the gap between today’s opportunity and tomorrow’s permanent loan.
When Investors Use Bridge Loans on Rentals
- Buying a new rental before selling the current one (especially in a 1031 exchange)
- Winning off-market or auction deals that demand all-cash or quick close
- Light to moderate rehab on a rental before placing a long-term DSCR loan
- Cashing out equity fast from a free-and-clear rental portfolio
- Avoiding seasoning issues after a recent purchase
Key Advantages of Bridge Loans for Rentals
- Lightning Speed: Close in 7–21 days
- No tax returns or W-2s required — perfect for self-employed & seasoned investors
- Up to 80% LTV (sometimes higher with cross-collateral)
- Interest-only payments
- Can be used for purchase, refinance, or cash-out
- Works great for 1031 exchanges
- Close in LLC or personal name
Typical Terms (2025 Market)
- Loan amounts: $100K – $10M+
- Rates: 8.99% – 13% (depends on experience & LTV)
- Terms: 6, 12, 18, or 24 months
- Origination: 1.5 – 3 points
- Minimum credit: 620–660 (deal strength matters more)
- No prepayment penalty after 6–12 months on most programs
Need to Move Fast on a Rental Property?
Get approved in 24 hours and close in as little as 7 days with Central Florida’s #1 non-QM team.
Call 407-630-9766 Now →or apply online in under 3 minutes
Apply Online in 3 Minutes →Frequently Asked Questions
What is a bridge loan for rental properties?
A short-term loan (6–24 months) used to “bridge” the gap when you need to buy or refinance a rental property quickly — before your long-term financing (DSCR, conventional, etc.) is ready.
How fast can I close on a rental bridge loan?
Most bridge loans for rentals close in 7–21 days — perfect for off-market deals, 1031 exchanges, or when you’re competing with cash buyers.
Can I use a bridge loan for a 1031 exchange?
Absolutely — bridge loans are one of the most popular tools for 1031 exchanges because they give you the speed required to secure the replacement property.
Do bridge loans require income verification?
No — rental bridge loans are asset-based. No tax returns, W-2s, or paystubs needed. Approval focuses on the property and your investing experience.
Can I refinance out of a bridge loan into a DSCR later?
Yes! Most investors use the bridge to acquire or stabilize the rental, then refinance into a 30-year fixed DSCR loan once seasoning or rehab is complete.