Stabilized Bridge Loans

Fast, Flexible Financing for Rent-Ready Investment Properties

What to Expect

Stabilized Bridge Financing at a Glance

Loan Amounts

$75,000 - $2MM

Terms

12-18 months

Starting Rate

6.99%

LTV

Up to 85% LTV

Stabilized Bridge Loans 101

What are Stabilized Bridge Loans?

Stabilized bridge loans provide temporary financing for rent-ready investment properties. These loans offer a bridge between purchase or refinance and permanent financing, specifically designed for properties that are already generating steady rental income or are ready for immediate tenant occupancy.

How do Stabilized Bridge Loans Work?

Our stabilized bridge program evaluates both property performance and borrower qualifications. Loans are structured based on the property's current or projected rental income (DSCR) and overall value (LTV). With interest-only payment options and terms up to 18 months, these loans give investors the flexibility needed to optimize their rental property strategy before transitioning to long-term financing.

Benefits of Getting a Stabilized Bridge Loan Through Joseph Capital Network

Rapid Closing Timeline

Close your loan in as little as 14 days with complete documentation. Our streamlined process maintains thorough underwriting while minimizing delays. We've optimized every step of the process, from application to closing, ensuring you never miss time-sensitive opportunities. Our dedicated processing team works in parallel with underwriting to expedite your closing without sacrificing due diligence.

Flexible Property Types

Finance various investment properties including single-family homes, 2-4 unit properties, townhomes, and warrantable condos. Our program adapts to different property conditions and markets, allowing you to diversify your investment portfolio. We understand that each property type has unique characteristics and our experienced team knows how to structure loans that match your specific property strategy.

Multiple LTV Options

Access up to 85% LTV with qualifying FICO scores above 720, with various tiers available based on credit profile. This flexibility allows you to optimize your cash investment while maintaining comfortable debt service coverage ratios. Our tiered approach means we can often find solutions for borrowers across different credit profiles, with options that align with your financial strength and property performance.

Simple Qualification Process

Focus on property performance rather than complex income documentation, with clear DSCR requirements for qualification. We streamline the process by evaluating actual rental income and property metrics instead of requiring extensive personal financial documentation. This allows real estate investors to qualify based on the asset's performance and potential, making the process significantly faster and more straightforward than conventional financing.

Minimum Requirements to Qualify

Our stabilized bridge loan program focuses on property performance and borrower strength.

- Minimum 660 FICO score

- Rent-ready property with no deferred maintenance

- Minimum DSCR of 1.00x based on in-place or market rents

- Clear property title

- Previous real estate experience preferred

Understanding Stabilized Bridge Loan Requirements

Property Criteria

Properties must be stabilized or rent-ready with no deferred maintenance. We finance single-family homes, 2-4 unit properties, townhomes, and warrantable condos with strong market fundamentals.

Borrower Qualifications

Credit scores starting at 660, with higher LTV options for stronger credit profiles. Net worth requirement of 10% of loan amount and real estate experience preferred.

Performance Standards

Properties must demonstrate minimum in-place DSCR of 1.00x and projected exit DSCR of 1.20x based on permanent financing terms.

Speak With a Bridge Loan Specialist

Get expert guidance on your rental property financing needs from our experienced team.

Frequently Asked Questions

What property types qualify?

Single-family homes, 2-4 unit properties, townhomes, and warrantable condos.

How quickly can I close?

Typically within 14-21 days with complete documentation.

Explore Other Financing Options

Land Purchase

Turn Your Land Vision into Reality with Strategic Financing

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Single Family Rental

Long-Term Financing for Your Rental Property Portfolio Flexible Terms with Up to 80% LTV

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Fix and Flip

Transform Investment Properties with Complete Purchase and Renovation Financing

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Need assistance?

Connect with one of our financing specialists at (855) 777-1069.