Bridge loans that close in 10–14 days.
A bridge loan is short-term, interest-only financing that lets investors acquire, refinance, or stabilize a property quickly — bridging the gap until a permanent exit. LGV Capital structures bridge financing around the asset and your exit plan, not your personal income.
- Up to 85% LTV on purchase. Up to 75% on cash-out refinance.
- Interest-only payments. Lower monthly carry through the hold period.
- Asset-based qualification. No tax returns, no W-2s — the property carries the deal.
- Built for every scenario. Acquire, refinance, stabilize, or cash-out.
30–60+ days
Built for every short-term capital need
A bridge loan from LGV Capital closes in 10–14 days and 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 70–75% LTV on the asset.
Bridge loan terms at a glance
Transparent guidelines for LGV Capital bridge financing. Final terms are tailored to your property, exit strategy, and borrower profile.
Bridge Loan Guidelines
Guidelines reflect standard program parameters. Actual leverage, rate, and term depend on the property, exit strategy, and borrower profile. Request a term sheet for numbers specific to your deal.
Why investors choose LGV Capital for bridge loans
LGV Capital bridge loans close in 10–14 days, 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 days — 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
| Factor | LGV Capital Bridge Loan | Bank Bridge Loan |
|---|---|---|
| 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 85% | Typically 65–70% |
| Cash-out refinance | Up to 75% LTV | Often unavailable |
| Entity / LLC vesting | Yes — fully supported | Rarely allowed |
| Best for | Time-sensitive investors | Owner-occupied buyers |
When the deal won't wait, neither do we.
Get a term sheet today. Close in 10–14 days. Move on the opportunity in front of you.
From first call to funded in days
The LGV Capital bridge process is built for speed — most deals fund in 10 to 14 days from the first conversation, not the weeks banks take.
Submit Your Deal
Share the property, the scenario, and your exit plan. No income docs to start.
Asset Review
We evaluate the property, value, and exit strategy to size leverage and term.
Term Sheet
Receive leverage, rate, and term in writing — clear numbers, no surprises.
Close & Fund
Title, appraisal, and closing — funded with capital to acquire, refinance, or stabilize.
Common 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 close in 10 to 14 days instead of the 30 to 60+ days a bank takes.
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, but the asset-based qualification cuts out the multi-week underwriting cycle banks require.
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, on properties up to 70% of As-Is value. 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, but lower than hard-money. 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. Below that, the deal needs to compensate elsewhere — stronger equity, lower LTV, or a clearer exit. Credit is one factor, but the property and 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 U.S.-based documentation, but no U.S. credit history or income verification is required.
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?
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 at 80% LTV, 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, TN