What it is
Short-term financing — usually 6 to 24 months, interest-only — built to close in days and get repaid by a sale or a refinance.
How it works
The loan is underwritten on the property and the exit plan, not your tax returns. Close in roughly 7–14 days, carry it while you execute, then sell or refinance into long-term debt.
Who it fits
Buyers competing with cash offers, owners unlocking equity fast, estates and probate situations needing a clean exit, and anyone whose current note is maturing before the long-term answer is ready.
What you'll need
The property, the plan, and the exit. Expect lower leverage than a perm loan and pricing that reflects the speed.
Good to know
A bridge is a tool, not a home. The refinance out — DSCR, conventional, or FHA — should be mapped before you close in. At one desk, it is.
Two minutes with a licensed advisor beats two hours of reading. NMLS #1511274 · Licensed in California · Florida · Texas
Talk to the DeskGeneral education, not advice for your specific situation. Every file is different — talk to a licensed professional before making decisions.