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Close now. Exit on your terms.
Short-term, interest-only financing that gets you from today's deal to your long-term exit. Asset-based qualification with a streamlined path to closing.
- Up to 75% LTV on purchase or cash-out. Up to 85% LTC with 100% of rehab costs covered.
- Interest-only payments. Lower monthly carry through the hold period.
- Asset-based qualification. No tax returns or W-2s required for qualification — underwriting focuses on the property and exit strategy.
- Flexible exit strategies. Acquire, refinance, stabilize, or cash-out.
*Timeline varies by property, appraisal, title, and borrower documentation.
Built for every short-term capital need
A bridge loan from LGV Capital works across the four scenarios investors hit most. Find yours below.
Acquisition financing
Close on time-sensitive purchases — auctions, off-market deals, distressed acquisitions — when conventional financing won't move fast enough. Up to 75% LTV on purchase, with a clear exit to permanent financing.
Cash-out refinance
Pull equity out of an existing investment property fast — to fund the next acquisition, redeploy capital, or cover renovation costs. Up to 75% LTV on cash-out, with interest-only payments through the hold.
Stabilize, then refinance
Hold a non-cash-flowing or under-leased property while you stabilize occupancy and rents — then refinance into a long-term DSCR loan once the asset performs. One partner, two loans, seamless transition.
Light rehab & value-add
Finance light-to-moderate improvements that increase rent or value — kitchen and bath updates, unit turns, exterior work — without the construction-loan complexity. Up to 85% LTC with 100% rehab covered, up to 75% LTV on the asset.
Bridge loan terms at a glance
Clear guidelines for LGV Capital bridge financing, tailored to your property and exit strategy.
Qualified on the property, not your tax returns. Built for deals that can't wait.
Get a term sheetFinal terms depend on the property, exit strategy and borrower profile.
Why investors choose LGV Capital for bridge loans
LGV Capital bridge loans qualify on the asset and structure around your exit — so you can act on the deal in front of you without waiting on bank timelines.
Close in 10–14 days
Speed wins deals. Bank construction or conforming loans average 30–60+ days. Bridge from LGV closes in under two weeks — so you can write offers banks can't compete with.
Asset-based qualification
The property carries the deal. No W-2s, no tax returns, no DTI calculations. LGV Capital qualifies on the property and your exit plan, not your personal income.
A clear exit path
One partner, end-to-end. Exit your bridge into a long-term DSCR loan when the property stabilizes — no re-qualifying, no new lender, no surprises.
LGV Capital vs. bank bridge loans
Two ways to finance the same deal. Only one of them closes before the seller moves on.
| Factor | LGV Capital Bridge Investor pick Underwritten on the asset, built around your exit | Bank Bridge Loan Underwritten on you, on the bank's timeline |
|---|---|---|
| Qualification basis | Asset & exit strategy | Personal income + financials |
| Income verification | Not required | Full tax returns & W-2s |
| Time to close | 10–14 days | 30–60+ days |
| Payment structure | Interest-only | Often P&I |
| Max LTV (purchase) | Up to 75% | Typically 65–70% |
| Cash-out refinance | Up to 75% LTV | Often unavailable |
| Entity / LLC vesting | Fully supported | Rarely allowed |
| Best for | Time-sensitive investors | Owner-occupied buyers |
| Get a term sheet |
See your numbers in seconds.
Enter the property value to estimate your loan amount, interest-only payment, and typical funding timeline.
Estimates only, before closing costs, fees, and reserves. Not a loan offer or approval. Final terms depend on the property, exit strategy, and borrower profile.
- Day 1Term sheet
- Days 2–8Title & appraisal
- Days 9–11Underwriting
- Days 12–14Funded
Investors who moved before the deal moved on.
"Seller had two offers — mine and a conventional buyer at $20K higher. I told them I could close in 12 days. LGV got me funded in 11. The other buyer needed 45 days, so I won the deal at a lower price. Speed is leverage."
Funded: $485K Bridge · Acquisition · Phoenix, AZ"Picked up an 8-unit that was half-vacant. No DSCR lender would touch it until it was stabilized. LGV bridged me, gave me 12 months to lease it up, then rolled me into their DSCR refi the moment occupancy hit. One team start to finish."
Funded: $1.4M Bridge → DSCR · Multifamily · Atlanta, GA"Needed cash-out on a paid-off rental to fund my next acquisition. My bank wanted 60 days and a stack of tax returns. LGV pulled 70% of value in two weeks, no income docs. That capital became three more doors in my portfolio."
Funded: $320K Cash-Out Refi · Buy & Hold · Nashville, TNCommon Bridge Loan Questions, Answered
A bridge loan is short-term, interest-only financing — typically 6 to 15 months — that lets investors acquire, refinance, or stabilize a property quickly while they execute on a longer-term exit. LGV Capital qualifies bridge loans on the property and exit strategy, not personal income, which is why they typically close in 10 to 14 days.
Most LGV Capital bridge loans fund in 10 to 14 days from initial submission. Speed depends on appraisal turn time, title work, and the cleanliness of the deal. Asset-based qualification keeps underwriting focused on the property and the exit, which keeps the process moving.
LGV Capital lends up to 75% loan-to-value on purchase and cash-out refinance transactions. For rehab and value-add deals, up to 85% of total project cost (LTC) with 100% of rehab costs covered. Final leverage depends on the property, the deal, and the exit plan.
Yes. Most investors using a bridge to acquire or stabilize a rental refinance into a long-term DSCR loan once the property is performing. LGV Capital structures the bridge with that exit in mind — same partner, no re-qualifying with a new lender.
No. LGV Capital bridge loans are asset-based. You do not need W-2s, tax returns, or DTI calculations to qualify. Approval is based on the property, the equity in the deal, and a clear exit plan.
Minimum FICO is 650. Stronger credit profiles get better rates and higher leverage, but credit is one factor among the property, the equity in the deal, and the exit strategy.
LGV Capital bridge loans cover non-owner-occupied investment properties: single-family homes, condos, townhomes, 2–4 unit properties, and multifamily up to 11 units. Loan amounts range from $100K to $5M.
Bridge loan rates vary based on loan-to-value, credit score, property type, term length, and exit strategy. Rates are typically higher than long-term financing because of the speed and flexibility. The most accurate pricing comes from a term sheet on your specific deal.
Most LGV Capital bridge loans have no prepayment penalty after a minimum interest period (typically 3 months), so you can exit early without penalty once your strategy is complete. This is a key difference from many longer-term loans that lock you into multi-year prepay schedules.
Yes. Bridge loans are commonly issued to LLCs and other business entities, making them ideal for investors holding properties in entities for liability and tax purposes.
If your original exit plan changes — the sale takes longer, the refinance timing shifts, the market moves — LGV Capital works with you on extensions or restructures. Bridge terms are 6 to 15 months by default, and we structure deals with realistic timelines so you have room to execute.
Bridge loan closing costs typically include origination points, appraisal, title insurance, and standard closing fees. Exact costs vary by loan size, property location, and deal complexity. All fees are disclosed upfront in your term sheet — no surprises at closing.
Yes. Auction purchases require fast, certain funding — exactly what bridge loans are built for. LGV Capital can pre-approve you ahead of an auction so you can bid with proof of funds and close within the auction's tight payment window.
Both are short-term and asset-based, but bridge loans typically offer better rates, longer terms (6–15 months vs. 6–12), and cleaner exits to permanent financing. LGV Capital bridge loans sit between hard money and bank financing — speed and flexibility of hard money, terms closer to institutional.
LGV Capital's minimum FICO is 650. Above that minimum, credit is one factor, but the property, the equity in the deal, and the exit plan carry more weight than they would with a traditional lender.
Yes. LGV Capital lends to foreign national investors on U.S. investment properties. Foreign national bridge loans typically require larger down payments and additional documentation. Credit and documentation requirements differ from domestic borrowers, so talk with our team about your specific situation.
Yes. Portfolio bridge loans cross-collateralized across multiple properties are available for investors building or repositioning a portfolio. Useful for buy-before-sell scenarios across multiple assets or for bridging a portfolio to a permanent multifamily refinance.
LGV Capital bridge loans are first-lien positions on the property. This gives the lender priority security and gives you the cleanest path to a refinance exit, since the bridge is fully retired when the permanent loan funds.
Still have questions?