Lender program
2-Year No Ratio Bridge
A 24-month bridge on a single rental property that is not sized on debt service coverage, with no prepayment penalty.
- Loan size$75K – $2M+
- Term24 months
- PrepaymentNo penalty
- PaymentsInterest only
How this program works
A no ratio bridge is written against a single rental property without being sized on its debt service coverage ratio. That matters when a property's current income does not yet reflect what it will produce, or where the income picture is complicated.
The term is 24 months with no prepayment penalty, so an early exit is not punished.
Requirements
What this program expects
- Minimum credit score 680. Above 720 earns the best pricing.
- Written on a single rental property, not sized on DSCR.
- Single family, condo, townhome and multifamily investment properties only.
- Appraisal and title search required.
- Loan costs can be added into the loan amount.
- Interest-only payments.
- No prepayment penalty.
Good to know
Before you apply
Every deal gets a formal term sheet
The figures here are the lending source's published parameters. Your deal may carry additional stipulations, or additional flexibility. Those appear in the term sheet you would sign to move forward — that document, not this page, sets your terms.
The pre-loan application does the heavy lifting
It captures most of what a lending source needs to decide whether your deal fits their terms, so we are not going back and forth collecting pieces.
State availability
This program is not available in NV. Availability on every program is confirmed for your specific property before anything proceeds.
These are not traditional hard money terms
Our lending sources price on experience and credit rather than on collateral alone, and the rates reflect that. How this differs from hard money.
Run the numbers
See what your deal supports
Enter your purchase price, budget and projected value. The calculator shows your maximum loan, the cash you would need, and which limit is capping it.
Talk to us about your deal
Tell us the property, the plan and the timeline. We will tell you honestly whether we can help and what the realistic next step is.