Loan program
Bridge loansfor time-sensitive acquisitions.
Move fast on time-sensitive acquisitions with short-term bridge financing. Close in days, not months, and refinance or sell when the time is right.
Who it fits
What a bridge loanis designed to do.
Bridge loans provide short-term capital for real estate investors who need to act quickly on an acquisition before arranging permanent financing. Whether you are purchasing a property at auction, acquiring a portfolio, closing before a 1031 exchange deadline, or simply need to move faster than conventional lending allows, bridge loans fill the gap. Bridge financing is typically asset-based, meaning the loan is underwritten primarily on the value and quality of the collateral rather than the borrower's income.
This allows for faster approvals, streamlined documentation, and closings in as few as 5-7 business days. At AIRE Lending, we offer bridge loans for stabilized properties, value-add acquisitions, and portfolio acquisitions — with competitive rates and flexible terms designed for investors who need speed and certainty of execution.
This program fits
- Investors acquiring stabilized or lightly value-add properties who need fast capital
- Borrowers closing 1031 exchanges on tight timelines
- Portfolio buyers acquiring multiple properties simultaneously
- Investors purchasing auction properties that require proof of funds and fast closings
- Real estate operators who need gap financing between acquisition and permanent takeout
Terms at a glance
The numbers,before the paperwork.
Illustrative program ranges, not a current rate quote or offer. Your terms depend on credit profile, experience, the property and leverage, and are confirmed in underwriting. This is not a commitment to lend.
- Interest rate
- 9.0% - 12.0%
- Origination points
- 1.5% - 4%
- Leverage
- Up to 80% LTV
- Term
- 6 - 24 months
- Loan amount
- $100K - $5M
- Minimum credit score
- 650+
- Credit pull at application
- Soft pull only
- Entity required
- Yes (LLC, corporation or trust)
What we'll ask for
What to have readyfor a bridge loan.
Credit and experience
- Minimum credit score: 650+
- Experience: 1+ completed real estate transactions recommended
Eligible property types
- Single-family homes
- Townhouses and condos
- Multifamily (2-50+ units)
- Mixed-use properties
- Small commercial (select programs)
Additional notes
- Clear exit strategy required (sale, refinance, or permanent takeout)
- Property must be investment purpose only — no owner-occupied
- Borrowing entity (LLC, LP, or Corporation) required
- Personal guaranty required from all members/principals
- Proof of funds for down payment and closing costs
- Title insurance required
Questions, answered
Bridge loans,explained.
How fast can a bridge loan close?
Bridge loans can close in as few as 5-7 business days when the file is complete. The most common timeline is 7-14 business days. Speed depends on appraisal turnaround, title clearance, and how quickly you provide documentation. If you need an ultra-fast close, let us know upfront so we can route your deal into our fastest-close program.
What is the difference between a bridge loan and a hard money loan?
The terms are often used interchangeably, but bridge loans typically refer to short-term loans for acquiring stabilized or lightly value-add properties, while hard money loans can also cover heavy renovation projects (fix and flip). Bridge loans generally have lower rates because the collateral is stabilized and the risk is lower. Both are asset-based, short-term, and designed for speed.
Do bridge loans require an appraisal?
Most bridge loans require either a full appraisal or a desktop appraisal. Some lenders will waive the appraisal for lower-leverage deals (under 65% LTV) or for experienced borrowers with strong track records. Appraisal waivers can shave several days off the closing timeline.
What exit strategies are acceptable for a bridge loan?
Common exit strategies include: selling the property, refinancing into a DSCR or conventional loan, or paying off the loan with proceeds from another sale (1031 exchange). Lenders want to see a clear, realistic plan for repaying the bridge loan within the loan term.
Can I use a bridge loan to purchase at auction?
Yes. Bridge loans are frequently used for auction purchases where conventional financing is too slow. Many auction purchases require proof of funds and fast closings — bridge loans are designed specifically for these situations. Make sure to start the pre-qualification process before the auction so you can move quickly once you win a bid.