Decision makers in-house
When a deadline matters, underwriting and credit happen under our roof; the person answering is the person deciding.
theLender
(949) 326-2820Exit Your Bridge Loan Before the Balloon Hits
Refinance hard money or short-term bridge debt into long-term fixed financing, qualified on the property's rent. Our underwriters work here — so you get a real answer against a real deadline.
- Bridge, hard-money or short-term debt is maturing
- The property is rented or ready to be
- Certainty on timing matters
Start your exit
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NMLS #133519 · Inc. 5000, 2022 and 2025 · Licensed in 47 states and DC · Direct lender, not a broker
How we qualify it
Gross rents ÷ PITIA = DSCR. We look at the property, not your tax returns. Long-term, short-term and ADU income can all count toward qualification.
Why theLender
No middleman
A broker adds a handoff and markup. We are the lender.
More than one way out
Depending on the deal, there may be a better structure than a standard rate-term refinance.
Program facts
Refinance bridge or hard-money debt10, 15, 20 and 30-year fixed terms availableNo tax returns requiredLTR, STR and ADU income eligibleLLC and entity vestingOptions for under-1.00 DSCR
Common questions
How long does a bridge exit take?
It depends on the property and documentation. We will tell you early whether the timeline is realistic.
My balloon is due in 45 days. Is that too late?
Not necessarily. Tell us the date and it moves to the front of the queue.
Must the property already be leased?
Not always. Market-rent support may work depending on the program.
What if the property does not cash flow at 1.00?
A sub-1.00 ratio is not automatically a decline.
Can I take cash out too?
That is a separate transaction type; we can lay out both paths.