Bridge loans that close before the deal moves on.
Short-term, asset-based financing to buy, stabilize or reposition an investment property now, then refinance or sell. Limited documents, a decision made on the property, and closings in as little as two weeks on eligible deals.
How a bridge loan works here.
| Term | What we offer | What it means |
|---|---|---|
| What it is for | Buy, stabilize or reposition | Close on a property before long-term financing is in place. |
| How you qualify | The asset | The value, the plan and the exit, not your tax returns. |
| Property | Non-owner-occupied residential | Investment property only; business-purpose loans. |
| Speed | As little as two weeks | From a signed application on eligible deals; title and third parties set the pace. |
| Exit | Sale or refinance | Refinance into a 30-year DSCR loan with us once the property is stabilized. |
| Leverage and rate | Priced to the deal | Set by the property, the plan and your experience. The term sheet tool shows yours in seconds. |
Renovating? A fix & flip loan adds the rehab budget, released in draws.
Bridge, fix & flip, or DSCR?
Bridge loan
For a property you will buy or hold for a short time with little or no renovation: a purchase that has to close fast, a building to stabilize, or a property you plan to sell or refinance soon.
Fix & flip loan
For a property you will renovate. It adds the rehab budget, up to 100% of it, held at closing and released in draws. See the terms.
DSCR loan
For a property you will keep and rent. Thirty years, qualified on the rent, with 1% or no prepayment penalty options. It is the usual exit from a bridge or a flip. See the terms.
Hard money?
“Hard money” is the everyday name for short-term, asset-based loans from a private lender. Bridge and fix & flip loans are both hard money, and we make both directly.
From offer to exit.
Tell us the plan
The property, the price or value, and how you will exit.
Get terms
A term sheet matched to the scenario.
Underwrite
An asset-based review and the appraisal.
Close
In as little as two weeks on eligible deals.
Exit
Sell, or refinance into a DSCR loan with the same team.
Just closed with YS Capital and had a great experience! They offer good rates and minimal closing fees.
Bridge loan questions
What is a bridge loan in real estate?
A short-term loan that lets an investor buy or hold a property until the next step: a sale, a renovation loan or a long-term loan. It is qualified on the property and the plan rather than on personal income.
How fast can a bridge loan close?
In as little as two weeks from a signed application on eligible deals. Title and other third parties set part of the pace.
What is the difference between a bridge loan and a hard money loan?
“Hard money” is the everyday name for short-term, asset-based private loans. A bridge loan is one kind of hard money loan; a fix & flip loan is another.
Bridge loan or fix and flip loan?
If you are renovating, a fix & flip loan also finances the rehab and releases it in draws. If the property needs little work, a bridge loan is the simpler fit.
Can I refinance a bridge loan into a DSCR loan?
Yes. Once the property is leased, refinance into a 30-year DSCR loan with us, qualified on the rent.
Do you need my tax returns?
No. These are business-purpose, asset-based loans: no tax returns or W-2s. Expect entity documents, ID, the contract and bank statements.
Send us the deal. We’ll send back the structure.
The property, the price and the exit. We answer with a term sheet.
*For business-purpose loans on non-owner-occupied investment property only. Not available for personal, family or household purposes. All loans subject to credit approval, underwriting and property eligibility. Rates, leverage and terms are indicative, change without notice, and not all borrowers will qualify; not a commitment to lend. YS Capital Group · NMLS ID 2609746 · Equal Housing Lender.