Bridge Loans for Real Estate Investors
A bridge loan is short-term financing secured by real estate. Investors use it to move quickly on a purchase, fund renovations, or build, and then repay it by selling the property or refinancing into long-term financing. Kala Lending LLC shops bridge loan options across multiple lenders to match the loan to your project and timeline.
Bridge Loan Programs
- Fix and Flip: buy a property, renovate it, and sell it
- Fix and Hold: buy and renovate, then refinance into a long-term rental loan
- Rehab Only: renovation funding for a property you already own
- New Construction: ground-up building on a lot you own or are buying
How Bridge Loans Work
Bridge loans are based mainly on the property and the project rather than your personal income. Lenders look at the purchase price, the renovation or construction budget, and the expected value once the work is done. Many programs release renovation funds in draws as the work is completed. Terms are short, usually measured in months rather than years, and payments are often interest-only.
What Lenders Typically Look For
- Experience: your track record with similar projects
- Scope of work and budget: what you plan to do and what it will cost
- After-repair value: the expected value once the work is finished
- Down payment or equity: your own money in the deal
- Exit plan: a sale or a refinance into long-term financing
Frequently Asked Questions
Do I need experience? Experienced investors often get better terms, but some programs work with first-time investors.
How is a bridge loan repaid? By selling the property or refinancing it, often into a DSCR loan once it is rented.
Can a bridge loan cover renovation costs? Yes, many programs include renovation funds released in draws.
Run Your Bridge Loan Scenario
Contact Kala Lending or submit your deal.
Kala Lending LLC is a mortgage broker and not a direct lender. Loans are offered through third-party lenders. Loans are for business or investment purposes only and are not for personal, family, or household use. All loans are subject to underwriting approval. Rates, terms, leverage, and availability vary by lender, borrower, property, and state. This is not a commitment to lend or a rate quote.
Related pages: Fix and Flip Loans | Fix and Hold Loans | Rehab Loans | New Construction Loans | All Loan Programs