Bridge
Short-term financing for non-owner-occupied 1–4 unit residential investment properties. Designed for acquisitions and refinances where speed, flexibility and a clear exit strategy matter.
Why Investors use Lendmarq Bridge
Fast, Reliable Execution
A streamlined process keeps valuation, title and underwriting moving so straightforward transactions can close efficiently.
Flexible Deal Structuring
We evaluate the complete transaction including credit, experience, liquidity, property and exit strategy not personal income alone.
Competitive Leverage
Access strong leverage for eligible purchases and refinances, with structure tailored to the borrower and transaction.
No Prepayment Penalty
Exit when the timing is right. Lendmarq short-term Bridge loans have no prepayment penalty.
Broad 1–4 Unit Eligibility
Finance eligible non-owner-occupied SFRs, townhomes, condos and 2–4 unit residential investment properties.
Multiple Exit Strategies
Sell the property, refinance or transition into eligible long-term Lendmarq financing when the property is ready.
Bridge Program Parameters
Credit and investment experience help determine available leverage. Select your borrower profile below to see an indicative Bridge loan structure.
As-is LTVPurchaseUp to 80%Rate & termUp to 75%Cash outUp to 70%Base rates fromPurchase9.60%Refinance10.15%
Indicative terms only. Financing is not guaranteed. Final loan terms, leverage and pricing are subject to borrower eligibility, property review, liquidity, loan purpose, exit strategy and full underwriting. Program terms are subject to change.
Eligible Properties
Lendmarq Bridge financing is available for eligible non-owner-occupied 1–4 unit residential investment properties, including acquisitions and refinances.
- Single-family residences
- Townhomes and eligible condominiums
- 2–4 unit residential properties
- Vacant or occupied investment properties
- Fee-simple ownership
- Purchase and refinance transactions
Tell us early
- Renovation or construction already underway
- Significant deferred maintenance or property condition issues
- Rural or unique properties
- Condo or HOA concerns
- Zoning, title or environmental issues
- Recent credit events
Not eligible
- Owner-occupied properties
- 5+ unit properties — see Multifamily Bridge
Start Your Bridge Pre-Screen
Send the essentials first. We'll request additional documentation as the loan progresses.
- Property address
- Purchase price or current value
- Requested loan amount
- As-is value
- Estimated FICO
- Investment experience
- Available liquidity
- Current occupancy
- Rehab budget, if applicable
- Exit strategy
- Completed loan application
- Government-issued ID
- Entity documents
- Bank statements / liquidity verification
- Investment track record, if applicable
- Purchase contract or current payoff
- Scope of work and budget, if applicable
- Lease / rent information, if applicable
- Insurance and additional property documentation
Financing a property with 5+ units?
Explore Lendmarq Multifamily Bridge financing for acquisitions, refinances and value-add opportunities.
Bridge Loan Questions
What rates and fees can I expect?
Rates and fees vary based on the borrower profile, property, leverage, loan purpose and overall transaction. Submit a scenario for current, deal-specific pricing based on Lendmarq's latest rate sheet.
How much can I borrow with a Bridge loan?
Available leverage depends on credit, experience, liquidity, property and loan purpose. Eligible transactions may qualify for up to 82.5% of as-is value, subject to applicable program limits and underwriting.
What do I need for an initial review?
Start with the property address, purchase price or current value, requested loan amount, estimated FICO, investment experience, available liquidity and exit strategy. We'll request additional documentation as the loan progresses.
How quickly can Lendmarq review my deal?
Complete scenarios are typically reviewed quickly, with straightforward transactions often receiving an initial response within one business day. Closing timing depends on valuation, title, insurance, documentation and the complexity of the transaction.
Can first-time investors qualify?
Yes. First-time investors may qualify for Lendmarq Bridge financing. Available leverage and structure depend on credit, liquidity, property, exit strategy and the overall strength of the transaction.
What properties qualify for Bridge financing?
Bridge financing is available for eligible non-owner-occupied 1–4 unit residential investment properties, including single-family residences, townhomes, condominiums and 2–4 unit properties. Fee-simple ownership is required.
What exit strategies are acceptable?
Common exit strategies include selling the property or refinancing into eligible long-term financing. The proposed exit should be realistic and supported by the property's condition, value and business plan.
Can foreign nationals qualify for a Lendmarq Bridge loan?
Yes. Eligible foreign-national investors may qualify for Bridge financing. Available leverage and structure depend on the borrower profile, experience, property and overall transaction.
Ready to finance your next deal?
Send us the property address, purchase price or current value, requested loan amount and your exit strategy. We'll review the scenario and provide an initial indication of fit and structure.