Bridge Loan

Grow your investor business with FACo. Bridge loans are ideal for temporarily holding assets.

Get Started with a Bridge Loan

Need more time to turn a property or complete your light rehab project? Consider a FACo Bridge Loan. Time is money, we offer both.

Key Facts About Our Bridge Property Loan

  • As-is appraisal only, no ARV
  • No-fee alternative valuation option now available (for eligible properties18)
  • Self-funded cosmetic rehab allowed (up to 25% of cost basis)
  • Up to 80% LTV for purchases | Up to 75% LTV for refis
  • Foreign Nationals eligible
  • Optional interest reserves
  • NO prior experience required11
  • 12- or 18-month property loan terms
  • Individual property loan amounts from $50K to $3MM12
  • Minimum 620 FICO
Bridge 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
Interest Rate1
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Loan Amount
$50K - $3MM 12
Loan Term
12 months standard,
18 month option available (subject to loan level pricing adjustment)
Borrower Type
Entity or Individual
Minimum Experience
NO prior experience required 11
Refinance Maximum Leverage
Loan-to-Cost (LTC)5
Loan-to-Value (LTV)4
Cost is purchase price amount
Up to 75% LTC / 75% LTV
Purchase Maximum Leverage
Up to 80% 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)]
Rehab Allowed
Up to 25% of cost basis (must be cosmetic only)
(Hard costs only -- soft costs, GC fees, contingency fees do not apply)
Foreign Nationals
  • Not allowed from ineligible country list
  • Limited to: 75% 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

Why Choose a Bridge Property Loan?

  • Bridge loans are a short-term flexible loan solution, ideal for temporarily holding assets.
  • Long term rates too high to lock in? Bridge loans can be used short-term to float the market.
  • Tap into your cash with Bridge financing! Both purchases and refinances are eligible.
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