Bridge Loans for Real Estate Investors

Myers Capital Hawaii, a residential and commercial mortgage banking company and direct private lender, partnered with its affiliate, Koa Mortgage Fund—a pooled mortgage debt fund—to fund a $250,000 bridge loan secured by a single-family home in Honolulu, Hawaii. The loan had a conservative loan-to-value of 10.87%, based on an estimated property value of $2,300,000. Although the Borrowers had significant equity in the property, they lacked the liquid capital needed to complete targeted renovations that would improve curb appeal and overall marketability. The bridge loan proceeds will be used to fund these improvements and prepare the home for sale. The subject property was in good condition and vacant at closing. It is approximately 3,782 square feet set on a 10,500-square-foot lot. The Borrower had good credit. They plan to sell the property as an exit strategy upon completion of the renovation. The loan carried a 13.75% interest rate on a 12-month term, with 12 months of guaranteed interest. This bridge loan was funded in May 2025.

Myers Capital Hawaii, a residential and commercial mortgage banking company and direct private lender, partnered with its affiliate, Koa Mortgage Fund, to fund a $100,000 refinance bridge loan secured by vacant land in Waikoloa, HI. The loan featured a conservative 31.74% loan-to-value ratio, based on a $315,000 estimated property value. The Borrower—an experienced home builder and real estate investor with strong credit—utilized the short-term loan to settle a maturing land note. This strategic refinance removed the pressure of an immediate balloon payment and gave time to advance the property’s planning and development. The Borrower plans to repay the loan using personal funds within the 12-month term. The lot size is approximately 10,018 square feet or 0.23 acres. The loan carries a 14.5% interest rate and includes a 12-month guaranteed interest provision. This land bridge loan was funded in June 2025.

Yieldi, a direct nationwide private lender, funded a $1,341,000 bridge loan for the acquisition of a luxury single-family home located in the Royal Lakes Golf Club neighborhood of Flowery Branch, GA. We funded 41% of the $3,250,000 purchase price, while the Borrower contributed 59% with a combination of cash and cross collateral. The Borrower used the funds to acquire the property, leveraging two additional assets as cross-collateral to complete the transaction. The primary collateral is located in Sterling on the Lake, one of Flowery Branch’s most desirable residential communities, and features high-end finishes, a private lot, and a modern layout consistent with comparable sales in the $1.3 to $1.4 million range. Additional collateral to support the loan came from a second luxury home in the Legends section of Chateau Elan in Braselton, GA. The Borrower plans to repay the loan by selling her current residence and refinancing the remaining balance through a traditional lender. With multiple exit paths and strong collateral coverage, the transaction presented a low risk profile. Yieldi was selected for its ability to structure a cross-collateralized loan with speed and flexibility to meet the Borrower’s acquisition timeline. The interest rate was 12.50%. The loan term was set at 12 months. This residential bridge loan was funded in June 2025.

Capital Funding Financial, a direct family-office private lender, funded a $4,000,000 refinance bridge loan secured by a luxury single-family home in Southampton, NY. The waterfront property value was estimated at $12,000,000, so our loan-to-value is only 33%. We were able to fund the loan in less than 2 weeks. The house was in excellent condition and vacant at closing. The Borrower plans to sell the property as an exit strategy. The interest rate was 11%. The loan term was set at 12 months. This refinance bridge loan was funded in April 2025. The Southampton real estate market has been exhibiting signs of stabilization, with increased inventory and longer time on market suggesting a shift towards more balanced conditions. While luxury sales have softened, the overall market remains resilient, particularly for larger homes. Buyers may find more opportunities for negotiation, especially in the higher-end segments. According to Rocket’s March 2025 Housing Market Report for Suffolk County, larger homes in the area have seen price increases, with 3-bedroom homes up 5.9%, 4-bedroom homes down 4%, and 5+ bedroom homes up 3.3%.

Minnow Loan, a local Missouri direct private lender, funded a $382,500 bridge loan for the acquisition of a single-family home in a great area of St. Louis—Chesterfield, MO. We funded 85% of the $450,000 purchase price, while the Borrower used a personal HELOC to contribute the 15% down payment and cover rehab costs, giving them greater control and flexibility over the renovation process. This was a deal for a new Borrower with Minnow—a husband and wife team who live down the street from the project. Inventory levels in this neighborhood remain low, and property values have stayed consistent and strong. The estimated ARV is $575,000, but if the Borrowers successfully meet their projected timeline, they could achieve a higher resale price due to the prime location. The Borrowers had good credit. The interest rate was 12.5%, and we charged 3% origination points. The loan term was set at 6 months. This purchase bridge loan was funded in March 2025.

Blue-inc. Capital, a private lender based in Oregon, funded a $110,000 bridge loan for the acquisition of a single-family home in Portland, OR. We funded 51% of the $215,000 purchase price, while the Borrower contributed 50% cash at closing. Their plan is to demolish the existing structure, utilize the existing utility services, and build a duplex in its place. Since the existing house will be taken down, we treated this as a land loan. Once permits are secured and a detailed budget is finalized, we intend to provide a construction loan to take this project to the finish line. The Borrower had good credit. The loan term was set at 2 years. This hard money land loan was funded in April 2025.

LBC Capital Income Fund, LLC, a private mortgage lender, funded a $3,640,000 bridge loan for the acquisition of a single-family home in Newport Beach, CA. We funded 70% of the $5,200,000 purchase price, while the Borrower contributed 30% using equity in another property. The Borrower was referred by his agent, who knew how quickly we could move, and this deal needed to close immediately. The challenge was that the Borrower did not want to contribute any funds for the down payment, so we leveraged equity from another property to generate the necessary cash. While we were ready to fund the purchase in just three days, we had to complete the refinance first. The subject property was in good condition, and the Borrower had good credit. They plan to sell the property after completing a rehab. The interest rate was 11% with a 12-month loan term. This purchase bridge loan was funded in April 2025.

LBC Capital Income Fund, LLC, a private mortgage lender, funded a $2,440,000 bridge loan secured by a single-family condominium in Los Angeles, CA. The property value was estimated at $3,500,000, so our loan-to-value was 70%. We paid off a previous loan balance of $2,200,000. The Borrower wasn’t ready to refinance with the bank when the existing lender issued a Notice of Default and demanded payoff. We stepped in quickly, cleared the loan, covered closing costs, and provided funding with no cash out—solving the problem under pressure. The condo was in good condition and tenant-occupied at closing. The Borrower had good credit. They plan to refinance as an exit strategy. The interest rate was 11%. The loan term was set at 12 months. This refinance bridge loan was funded in April 2025.

Myers Capital Hawaii, a residential and commercial mortgage banking company and direct private lender, partnered with its affiliate, Koa Mortgage Fund, to finance a $700,000 bridge loan for the acquisition of a commercial infill lot in Kahului, HI. Koa Mortgage Fund, a pooled mortgage debt fund, financed the acquisition of this lot with a 70% loan-to-value ratio, based on an appraised property value of $1,000,000. Prior to funding, the property had an SBA lien that posed a significant challenge. With our experience handling complex title issues and coordinating with federal agencies, we cleared the lien, obtained a clean title, and funded the loan. The Borrowers, an entrepreneurial couple, used the proceeds to retire seller financing and are now positioned to move forward with their plan to build a warehouse on the property. The subject property was in good condition and vacant at closing. It is approximately 22,303 square feet set in a 0.51-acre lot. The Borrower had excellent credit. They plan to refinance as an exit strategy. The loan featured a 13.5% interest rate, a 12-month term, and 12 months of guaranteed interest. This land acquisition bridge loan was funded in April 2025.

Center Street Lending, a direct lender for residential real estate investors, funded a $2,775,000 bridge loan secured by a single-family home in Napa, CA. The property value was estimated at $5,100,000 so our loan-to-value was 54%. We paid off a previous loan balance of $2,150,000.This newly designed contemporary residence in the Silverado Crest community stands out as a one-of-a-kind home at Silverado Resort. The luxurious smart home seamlessly blends advanced technologies with eco-friendly, sustainable features. The subject property is approximately 5,196 square feet set in a 0.50-acre lot. The Borrower plans to sell the property as an exit strategy. The loan term was set at 12 months. This bridge loan was funded in January 2025.

Center Street Lending, a direct lender for residential real estate investors, funded a $970,000 1st lien position bridge loan for the acquisition of a single-family rental home in Bonita Springs, a city located between Fort Myers and Naples in Southwest Florida. We funded 75% of the $970,000 purchase price, while the Borrower contributed 25% cash at closing. This Olde Florida-style architecture features a freshly painted wraparound front veranda and a southern exposure that provides sunlight all day over the pool deck and filters into the house. The subject property was in excellent condition and vacant at closing. It is approximately 2,779 square feet set in a 0.47-acre lot. The Borrower plans to lease the home and eventually refinance as an exit strategy. The loan term was set at 12 months. This bridge loan was funded in June 2024.

Stormfield Capital, a technology-enabled direct portfolio lender, funded a $4,150,000 1st lien position bridge loan for the acquisition of a residential investment property in the Park Shore neighborhood of Naples, FL. We funded 55% of the $7,500,000 purchase price, while the Borrower contributed 45% cash at closing. The loan originated at a sub 55% LTV and allowed the Borrower to close on an expiring purchase contract. The property was newly renovated and vacant at closing. It is approximately 5,200 square feet. The Borrower’s plan is to lease the property and refinance within the 12-month loan term. The interest rate was 10.5%. We charged 1% and the broker earned a $41,500 commission. Naples, along Florida’s Gulf Coast, is a sought-after destination known for its pristine beaches, luxury residences, and vibrant community, attracting both year-round residents and seasonal visitors. This purchase bridge loan was funded in August 2024.

Center Street Lending, a direct lender for residential real estate investors, funded a $858,817 1st lien position bridge loan for the acquisition of a condominium unit in Irvine, Orange County, CA. We funded 75% of the $1,145,090 purchase price, while the Borrower contributed 25% cash at closing. This contemporary home has been nicely upgraded with luxury vinyl flooring throughout, recessed lights, and plantation shutters. It includes direct access to a ground floor gated 2-tandem garage parking space with elevator access. The Borrower plans to operate a short-term rental eventually refinance into a 30-year rental loan. The unit was vacant at closing. The loan term was set at 12 months. This purchase bridge loan was funded in June 2024.

Center Street Lending, a direct lender for residential real estate investors, funded a $3,325,000 1st lien position bridge loan secured by a single-family home in Phoenix, Arizona. This was an internal refinance loan to give the Borrowers additional time to sell the home and get some of their equity back for ongoing projects that they have. The property value was estimated at $5,000,000 so the loan-to-value was 66.50%. We paid off a previous loan balance and provided the funds for their other projects. The Borrowers are highly experienced investors specializing in the renovation and building of high-end luxury homes. The subject property is a contemporary home built into the side of Camelback Mountain, truly being an architectural masterpiece. The unique design of the home offers unrivaled views of both the city lights and the mountainside. The subject property is approximately 5,393 square feet set in a 1.56-acre lot. The loan term was set at 12 months. This SFR refinance bridge loan was funded in July 2023.

Capital Funding Financial, a direct lender, funded a $1,875,000 1st lien position bridge loan secured by a single-family home in the prestigious Highland Park neighborhood of Dallas, Texas. The property value was estimated at $3,750,000 so our loan-to-value was 50%. The Borrower was in need of fast & flexible financing with an interest reserve. They had already completed over $500,000 in interior updates and plans on selling the property in the near future. The 5,766-square-foot property has been featured in a number of interior decorating magazines for its sleek design with a modern classic feel. It has 5 bedrooms and 6 bathrooms, was newly renovated and vacant at closing. The Borrower had good credit. The interest rate was 10.99% and we charged 2% origination points. The loan term was set at 12 months. Given Capital Funding Financial’s local knowledge and experience in Texas, no appraisal was ordered, and the loan was funded in just 7 days! This refinance bridge loan was funded in September 2023.

Rubicon Mortgage Fund, a direct private money lender, funded a $1,000,000 1st lien position equity cash-out bridge loan secured by two commercial retail buildings located in McKinleyville and Crescent City, California. The Borrower is an experienced movie theater owner and operator. He needed to cash out equity on the 2 properties for working capital. The combined loan-to-value was 50%. The company owns over 15 movie theaters in Northern California. They plan to pay off our bridge loan using cash flow from the business over the next few years. The two properties total approximately 39,600± square feet of retail space and were in good condition. Both properties are located in small coastal towns. McKinleyville is in Humboldt County, just north of Eureka. Crescent City is farther north in Del Norte County, close to the Oregon border. The loan term was set at 3 years. This CRE equity cash-out loan was funded in September 2023.

RCN Capital, a national direct private lender, funded a $318,953 1st lien position bridge loan for the acquisition of a single-family home in North Fort Myers, Florida. We funded 75% of the $425,270 purchase price, while the Borrower contributed 25% cash at closing. The property appraised for $490,000 As-Is, so our loan-to-value was 65%. The experienced Borrower (5+ Verified) plans to renovate the home to stabilize before listing the property for resale, but they will self-fund the rehab budget. The guarantor on the loan had excellent credit with a middle score of 796 and a background history without any issues. Their bank statements reflected sufficient liquidity to close this deal and the deal was structured in accordance with the guidelines. The loan-to-value was 65.1% and the loan-to-cost was 75%. The subject property was in excellent condition. It is approximately 1,981 square feet. The interest rate was 10.99% and we charged 4% origination points. The loan term was set at 12 months. This SFR purchase bridge loan was funded in June 2023.