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Fix & Flip/Bridge Loan

A fix & flip/bridge loan is short-term financing tailored for real estate investors seeking to renovate and quickly sell properties or secure interim funding between transactions. These loans prioritize speed and flexibility to help investors capitalize on time-sensitive opportunities.

Key Features of Fix & Flip/Bridge Loans:

  • Short-Term Duration: Typically 6–18 months, designed to match the project’s timeline.

  • Fast Approvals: Quick funding to help investors act on opportunities without delays.

  • Property-Based Security: Loans are secured by the property’s value rather than the borrower’s credit.

  • Rehabilitation Costs Covered: Often includes funds for renovations or upgrades to maximize property value.

When to Use a Fix & Flip/Bridge Loan:

  • Property Flipping: Financing for purchasing, renovating, and reselling properties for profit.

  • Bridge Financing: Covering gaps between buying a new property and selling an existing one.

  • Auction Purchases: Quick funding to secure properties at auctions or other time-sensitive deals.

  • Value-Add Projects: For acquiring underperforming properties and increasing their market value.

Fix & flip/bridge loans provide the speed and flexibility needed for investors to capitalize on profitable real estate opportunities efficiently.

New Construction Loan

A new construction loan provides short-term financing to cover the costs of building residential or commercial properties. These loans are disbursed in phases, aligning with the project’s progress, and are designed to help developers and builders bring their visions to life.

Key Features of New Construction Loans:

  • Phase-Based Funding: Funds are released in stages, tied to milestones such as foundation completion, framing, and final inspection.

  • Short-Term Duration: Typically 6–24 months, with repayment options transitioning to long-term financing upon completion.

  • Customizable Terms: Tailored to the specific needs of the project, including loan amounts and repayment structures.

  • Higher Qualification Standards: Lenders may require detailed project plans, budgets, and proof of borrower experience.

When to Use a New Construction Loan:

  • Building from Scratch: Financing for ground-up construction of residential or commercial properties.

  • Custom Projects: Ideal for unique developments tailored to specific needs or designs.

  • Speculative Development: For builders or investors constructing properties for resale.

  • Property Expansion: Funding for major additions or redevelopment of existing structures.

New construction loans are essential for developers and investors looking for structured financing to turn blueprints into reality.

Private/Hard Money Loan

A hard money loan is a short-term financing option commonly used in real estate investments. These loans are asset-based, meaning they are secured by the value of the property being financed rather than relying heavily on the borrower’s creditworthiness. This makes them an attractive solution for investors who need quick funding or may not qualify for traditional loans.

Key Features of Hard Money Loans:

  • Speed of Approval: Hard money lenders prioritize the property's value and potential over lengthy credit and financial checks, enabling faster approvals and funding.

  • Flexible Terms: Unlike traditional loans, hard money loans often offer tailored terms based on the project’s needs and the lender’s criteria.

  • Higher Interest Rates: Due to the increased risk for lenders, hard money loans typically carry higher interest rates than conventional loans.

  • Short-Term Financing: These loans are designed for short durations, often 6–36 months, and are ideal for projects like property flips, renovations, or quick acquisitions.

When to Use a Hard Money Loan:

  • Property Flipping: For purchasing and rehabbing properties with the intent to sell quickly.

  • Bridge Financing: To secure a property while arranging longer-term financing.

  • Construction Projects: For developments or repairs where traditional loans may not be an option.

  • Opportunities Requiring Quick Action: For time-sensitive deals where fast funding is essential.

Hard money loans provide a practical and efficient solution for real estate investors, offering the speed and flexibility needed to capitalize on opportunities that might otherwise be out of reach.