When timing is tight in Santa Rosa, short-term bridge financing lets investors secure purchases, complete value-add work, and refinance to DSCR upon stabilization.
When Bridge Capital Wins
Short escrows, properties needing improvements before long-term financing, or cash-out from an existing asset to fund the next deal.
What Terms Look Like
Short-term, interest-only structures with leverage and pricing tied to asset quality and exit plan. Keep reserves for interest, taxes, and insurance. Clean files close faster.
Example Paths
- Purchase bridge: 75% LTV on SFR; DSCR refi after lease-up.
- Cash-out bridge: 60–65% LTV on free-and-clear rental to fund down payment and light rehab.
What to Submit
Address/photos, contract or payoff, entity docs/IDs, bank statements, insurance contact, and a short business plan outlining hold vs flip.
Q&A
Rural parcels? Case by case with comps and access details.
Interest reserves? Often on heavier value-add.
Mixed-use or small commercial? Possible; underwriting varies.
hard money lender in Santa Rosa
