Bridge Loans for Investors

Financing to Temporarily Hold Assets for Up to 18 Months

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

Bridge Product Facts:1

  • NO prior experience required11
  • 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 90% LTC for purchases
  • Up to 80% LTC for refinances
  • Individual property loan amounts from $50K to $3MM12
  • Optional interest reserves
  • 12 or 18-month property loan terms
  • Minimum 620 FICO

About us:

  • FACo provides loans for non-owner occupied residential real estate investors
  • Loans are asset-based, no income verification, and no W-2s required
  • Nationwide lender2

Get Started!

Complete the form below and one of our Account Executives will contact you to discuss your needs.

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Finance of America Commercial is your partner for all of your real estate investment financing needs

We are a commercial lender specializing in specializing in residential investment property loans. Whether you’ve hit the maximum number of loans available from conventional lenders, have non-traditional income, or just want a specialized loan designed for real estate investors, we have a product to meet your needs.1

We get that earning trust means more than just doing the paperwork – it means becoming a partner

We are committed to best-in-class customer service and to being your long-term, strategic partner. Whether you’re relatively new to the investment property industry or have been taking part for decades, our team is committed to providing the most innovative solution, but always with a personal touch.1

Bridge Loan Details

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