Now’s Not the Time to Shy Away from Real Estate Investing!

BRIDGE a challenging rental property financing market with short-term options.

If you’re worried about committing with the current rates and climate, opt for a short-term bridge loan to float the market for 12-18 months. Then, refi your way to bigger & better profits down the road!

Bridge Loan Advantage:

  • No pre-pay, no DSCR calculation, FICO down to 620
  • Up to 80% LTV for purchases | Up to 75% LTV for refis
  • Self-funded cosmetic rehab allowed (up to 25% of cost basis)
  • NO prior experience required11
  • No-fee alternative valuation option18

Other Short-Term Product:
Fix & Flip | New Construction
Individual and Business approval for exposure limits up to $10MM with individual property loan amounts from $50K to $3MM12

Long-Term Products:
Single Rental
DSCR loan with no W2s, paystubs, or tax returns required. Funding up to 80% LTV for purchases and rate & term, up to 75% cash-out.3
Portfolio Rental
Purchase or refinance a portfolio of rental properties. Refinance and acquire properties under the same transaction.

Get Started!

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Call Your Dedicated FACo Loan Specialist Today!

Bridge Loan
Bridge Plus Loan
Loan PurposeBridge (self-funded cosmetic rehab allowed up to 25% of cost basis, no rehab holdback)
  • Property as-is must be 100% complete and marketable
  • Requires FACo Exposure Limit approval
  • Purchase and refinance transactions eligible
Bridge (self-funded non-structural rehab19 allowed up to $100K max, no rehab holdback)
  • Property as-is must be 100% complete and marketable
  • Requires FACo Exposure Limit approval
  • Purchase and refinance transactions eligible
Interest Rate1
Call for Quote
Call for Quote
Loan Amount
$50K - $3MM 12
$100K - $1MM
Loan Term
12 months standard,
18 month option available (subject to loan level pricing adjustment)
12 months standard,
18 month option available (subject to loan level pricing adjustment)
Borrower Type
Entity or Individual
Entity or Individual
Minimum Experience
NO prior experience required 11
5+ experience (flip, build, or rental) required. Experience is based on a 36 month lookback period.
Refinance Maximum Leverage
Loan-to-Cost (LTC)5
Loan-to-Value (LTV)4
Cost is purchase price amount
Up to 75% LTC / 75% LTV
Up to 80% LTC / 70% LTV
Purchase Maximum Leverage
Up to 80% LTC / 80% LTV
Up to 90% LTC / 80% LTV
When do we use Cost Basis?
Used on purchases and refinances owned < 180 days
Cost Basis is defined as [Purchase Price + cost of work already completed (verified and provided by Inspector)]
Used on purchases and refinances owned < 180 days
Cost Basis is defined as [Purchase Price + cost of work already completed (verified and provided by Inspector)]
Rehab Allowed
Up to 25% of cost basis (must be cosmetic only)
(Hard costs only -- soft costs, GC fees, contingency fees do not apply)
Up to $100K non-structural rehab19 allowed
Foreign Nationals
  • Not allowed from ineligible country list
  • Limited to: 75% LTC / 70% LTV max
  • Not allowed from ineligible country list
  • Limited to: 80% LTC / 70% LTV max
Property TypeNon-Owner Occupied:
  • Attached or detached SFR
  • 2-4 unit properties
  • Multi-family 5-20 unit properties
  • Mixed-use
  • Condos
Non-Owner Occupied:
  • Attached or detached SFR
  • 2-4 unit properties
  • Multi-family 5-20 unit properties
  • Mixed-use
  • Condos

© 2022 Finance of America Commercial is a division of Finance of America Mortgage LLC | | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 1 West Elm Street, First Floor, Conshohocken, PA 19428 | (800) 227-8107 | AZ Mortgage Banker License BK #0910184 | Loans made or arranged pursuant to a California Finance Lenders Law license | Finance of America Commercial only makes mortgage loans for business purposes.

Complaints? Email us at customerrelations@financeofamerica.com