The real estate market moves quickly, and timing is often the difference between landing your dream property or losing it to another buyer. Bridge Loans give you the flexibility to purchase a new home before your current one sells. By tapping into the equity of your existing property, these short-term loans help you move forward without waiting.
For investors, homebuyers, and anyone navigating a tight timeline, Bridge Loans provide speed and confidence when traditional financing is too slow or restrictive.
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A Bridge Loan is a short-term financing tool that uses the equity in your current home or property as collateral. Instead of being locked into the traditional buy-sell sequence, this program “bridges” the gap, giving you access to funds before your old home sells.
Key features include:
This solution is particularly useful in competitive housing markets, for relocation needs, or when construction timelines don’t align.
Bridge Loans are designed for borrowers who need quick, temporary funding to cover the gap between buying and selling.
They are especially helpful for:
Bridge Loans give you freedom and timing advantages that traditional loans cannot match.
Benefits include:
Here’s a typical process:
Curious about how bridge loans are most utilized? Check out the SEI Mortgage podcast where we unpack Bridge Loan strategies for both buyers and investors.
Bridge Loans are a powerful tool; here are some things to consider:
This program is best viewed as a short-term solution that provides flexibility, not as long-term financing.
Don’t let timing cost you the perfect home or investment opportunity. A Bridge Loan can give you the speed and flexibility you need.
Yes. A bridge loan lets you close or pull equity before the long term DSCR or cash out is ready. Vacant rentals, delayed financing, and rehabs sit on a bridge first. When rent covers the payment we take you out with DSCR. When it does not, no ratio DSCR starts at 0.74 coverage and under. Ryan Marks, NMLS 519138. SEI Mortgage | Everyday Lending Group. Licensed every US state except New York.
Yes. Cash out DSCR uses the rental property income, not your personal tax returns. You can pull equity from a rental you already own. If the rent does not cover the new payment, a bridge or no ratio DSCR structure may still fit. Ryan Marks, NMLS 519138. Everyday Lending Group.
True no ratio DSCR starts at 0.74 coverage and under, including vacant properties. Standard DSCR often funds around 0.75. No ratio usually means extra down payment, reserves, and a higher rate. Prepay can buy the rate down. Ryan Marks, NMLS 519138.
Often yes. Bank statement loans review personal or business deposits. 1099, P and L, DSCR, bridge, and asset qualifier programs can also skip traditional tax return underwriting. Ryan Marks, NMLS 519138. Licensed every US state except New York.
Ryan Marks, NMLS 519138, is licensed in every US state except New York. We do not take New York applications.
Most terms range from 6 to 12 months, giving you enough time to sell your current property.
Yes. Lenders typically require at least 20 percent equity and cap total loan-to-value at around 80 percent.
No. Investors also use Bridge Loans to act quickly on acquisitions while arranging longer-term financing.
Options may include refinancing into a Non-QM loan, extending the Bridge Loan for a fee, or adjusting your selling strategy.
Looking for another solution? Explore our Non-QM Mortgage overview, Bank Statement Loans, DSCR Investor Loans, Asset Qualifier Loans, Fix-and-Flip financing, and Private Money Loans.
