Bridge Loans for Real Estate Investors
Up to 90% of Purchase

Buy before a long-term loan could close, or refinance out of one that is coming due. Terms of 12 to 18 months on single family, apartments up to 29 units and mixed use, with loans up to $15 million.

Bridge loans, structured around what comes next.

Up to

90%

Of purchase

80%

On a rate and term refinance

75%

On a cash-out refinance

Renovation work during the term is not funded. Planning work on the property? That is a fix and flip loan.

Our process

Four stages, from the address you send us to the day the loan pays off. A bridge loan exists to meet a date, so each stage is measured against the date you have to hit.

01

Send the deal

The address, the price or what you already have in it, and how you plan to get out. We look at the property and the exit you are planning. Not your tax returns.

02

Close on a complete file

Credit sits in the same building as your Relationship Manager, which is why a deal with a tight or unusual timeline gets a real answer instead of a form rejection. 

03

Hold it for 12 to 18 months

The loan carries the property while you lease it up, line up a buyer or wait for the long-term loan. Work done during the term is not funded, so a deal with a renovation budget belongs on a fix and flip loan, where the rehab money comes in draws.

04

Take either exit

Sell it and pay off at closing. Or lease it and refinance into a 30-year DSCR loan with no points. Either way, the financing stays with one lender.

The reason decides the structure

Three reasons investors take a bridge loan, and each one is sized against a different number. Buying, it is the price. Refinancing out of a loan coming due, it is what you already have in the property. Taking cash out, it is what the property is worth today.

Purchase

Buy it now

The seller wants to close before a long-term lender could. The loan is sized on the price, so it moves on the seller’s schedule. Already bought it with cash? A delayed purchase puts the money back on the same terms.

1 to 4 units

90%of price

5 to 29 units, mixed use

80%of price

Rate and term refinance

Exit a loan coming due

Another lender’s term is ending and your next step is not ready. We can lend up to everything you have put into the property, as long as the loan stays within a set share of what it is worth today.

1 to 4 units

100%of cost, 80% of value

5 to 29 units, mixed use

100%of cost, 75% of value

Cash-out refinance

Pull cash out for the next deal

The equity is sitting in a property you own. The loan is sized on today’s value, so a building that has gained value since you bought it carries more of the next purchase.

1 to 4 units

75%of value

5 to 29 units, mixed use

70%of value

Leasing it up? Refinance into a 30‑year DSCR loan.

Whether we made the bridge loan or another lender did. The property can be vacant or occupied when you start, so there is no wait on a rental history.

30-year fixed, as low as

6.00%

80%

Up to, on a rate and term refinance

75%

Up to, on a cash-out refinance

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Frequently Asked Questions About Bridge Loans

Quick answers to questions you may have.

What is a bridge loan in real estate?

A bridge loan is short-term financing that carries an investment property from one event to the next: a purchase to a sale, or a purchase to a long-term loan. It is sized on the property and repaid when you sell or refinance. Conventus bridge loans run 12 to 18 months.

We lend against the price on a purchase, or against what you have in the property and what it is worth on a refinance. You carry the loan through the term, then pay it off from a sale or a long-term loan such as a 30-year DSCR loan. Renovation costs are not funded. If the plan includes a rehab budget, a fix and flip loan releases that money in draws.

As fast as 3-5 business days

Approval rests on the property and your exit. No prior investing experience is required. Your mortgage and credit cards must be current with no late payments in the last 12 months, and there can be no foreclosure or bankruptcy in the past 48 months. Final terms depend on the property and the loan amount.

Loans go up to $15 million. On 1 to 4 units, we lend up to 90% of the price on a purchase, 80% of value on a rate and term refinance and 75% on a cash-out refinance. On 5 to 29 units and mixed use, the limits are 80%, 75% and 70%.

Rates start as low as 7.99% on 1 to 4 units and 8.50% on multifamily and mixed use. Final pricing depends on the property, the loan amount and the transaction.

Residential properties with 1 to 4 units, multifamily properties up to 29 units, and mixed-use buildings where at least 60% of the income is residential.

Both are short-term loans sized on the property rather than on your income. The difference is what the loan is for. A bridge loan carries a property between two events, with a 12 to 18 month term and a planned exit through a sale or a long-term loan.

Yes. Conventus lends to LLCs and other investment entities, which is how most active investors hold their properties.

At Conventus Lending, we understand the importance of aligning financial solutions with our clients’ values. That’s why we offer Heter Iska-based financing—a Halachically compliant alternative to conventional interest-bearing loans, structured to avoid Ribbis (interest) in accordance with Jewish law. To learn more, visit: Kosher Certificate – Conventus

What clients say after the close

Eight reviews, printed as written.

“

I had the pleasure of working with Conventus on many fix and flip transactions in the last few years. The team was very communicative and the process to getting final approval was quick and seamless, sometimes as little as 5 business days to get a transaction to closing table. Ellen helped secured the best rates and the lowest cost possible. As an investor, this is important as holding cost can add up pretty quickly, and that gross profit margin dwindle away quickly. As a licensed RE agent, Ellen helped get to the closing table with ease. They always goes above and beyond to make sure the whole process is as smooth as possible and most importantly that funding is on time. Looking forward to many more closings with Ellen and Conventus.

Phi N.
Fix and flip investor, licensed agent · Worked with Ellen
“

Tamberyne and the whole crew at Conventus have been top notch so far! As a builder I have been working with traditional banks for the past 12 years, and let me tell you; Conventus is 1000% easier to work with! They have competitive rates, and reasonable fees making the overall cost similar to a bank but with a way smarter approval process (not simply tax return based). I hope to work with Conventus for years to come!

Colton M.
Builder, 12 years with traditional banks · Worked with Tamberyne
“

We’ve worked with Conventus as the lender on a couple of our deals, and the experience has been nothing but positive. Huge shoutout to Jake, Hugo, and Jesse—they’ve all been incredibly responsive and on top of things from start to finish. Communication was clear, updates were timely, and any questions we had were always addressed quickly. Overall, they’re easy to work with and very reliable, which makes the process so much smoother. Looking forward to partnering with Conventus again on future deals!

CJ
Repeat client · Worked with Jake, Hugo and Jesse
“

As a real estate investor, securing the best rates and working with a lender who can close on time is absolutely essential. Conventus has exceeded my expectations in both areas and has been instrumental in the success of my business. We’ve closed multiple loans together, and every experience has been smooth and efficient. The team consistently goes above and beyond. They are exceptionally responsive, reliable, and always available for questions, guidance, or recommendations. Their dedication and professionalism truly stand out. I highly recommend Conventus to any real estate investor looking for a lending partner that delivers outstanding service and dependable support. They are truly exceptional to work with.

Ana C.
Real estate investor · Repeat client
“

I’ve used Conventus on a few loans now and have been happy on each transaction. They are fast, fund most of the capital needed and their terms are favorable. Will use them going forward.

Michael P.
Repeat client
“

I recently worked with Austin at Conventus and couldn’t be happier with the experience. From start to finish, he was professional, incredibly responsive, and genuinely invested in finding the best deal for me. It’s rare to work with someone who makes such a stressful process feel straightforward and stress-free. I’d recommend Austin to anyone looking for a mortgage broker who truly has their client’s best interests at heart.

Neal
Worked with Austin
“

I want to thank Allie, Rebecca, and Archi for their incredible support on my recent deal. Their responsiveness, and attention to detail made the entire process smooth. Each of them made sure everything was handled efficiently, and I truly appreciated their teamwork and dedication. I couldn’t have asked for a better group to work with!

Maged D.
Worked with Allie, Rebecca and Archi
“

Great company for flexible real estate lending. Real competitive rates and maybe more importantly, awesome people to work with!

Jon E.
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