Student-driven demand and tight inventory make timing everything in Morgantown. Bridge loans help investors secure assets, complete value-add work, and refinance to DSCR once stabilized.

When to Use a Bridge

Short escrows, rehab-before-DSCR scenarios, or tapping equity from an existing property to fund the next purchase.

Terms You’ll See

Short-term, interest-only; leverage and pricing tied to collateral and exit plan. Keep reserves for taxes/interest and submit a complete file for speed.

Example Paths

• Purchase bridge: 75% LTV on SFR/duplex; DSCR takeout after lease-up.
• Cash-out bridge: 60–65% LTV on stabilized rental to fund down payment/rehab.

What to Send

Address/photos, contract or payoff, entity docs/IDs, bank statements, insurance agent contact, and brief business plan.

Q&A

Student rentals? Case by case with lease structure and seasonality.
Mixed-use? Possible with underwriting review.
Interest reserves? Often for heavier value-add.

Hard Money Lender in Morgantown