Investor financing
Bridge loans
For investors who need short-term capital between an acquisition, a refinance, or a sale — not a 30-year home loan.
Bridge loans are typically used when timing, title, or the current loan does not fit a longer-term DSCR or conventional investment product yet.
Outside Virginia, Rockhouse Mortgage arranges business-purpose loans on non-owner-occupied investment property only.
How it works
A bridge loan is a short-term facility meant to get you from the current situation to a planned exit — often a DSCR refinance, a sale, or another take-out loan.
It can be used for a quick acquisition, to pay off a maturing loan, or to buy time while a property is stabilized. It is not a substitute for a long-term rental loan if that longer-term loan is already available.
Rockhouse Mortgage compares wholesale bridge and short-term programs against the same exit plan so the term and cost match how long you actually need the money.
What lenders look at
- A clear exit strategy and timeline
- Equity in the property and existing liens
- Experience completing similar transitions
- Credit, reserves, and the rest of the file
- Property type and occupancy
Eligible properties
- Non-owner-occupied investment properties
- Properties being acquired, stabilized, or refinanced into a longer-term loan
Want help comparing programs?
Rockhouse Mortgage compares wholesale lender programs for the scenario in front of us. Start with a call or an online application.
Frequently asked questions
How is a bridge loan different from a fix-and-flip loan?
Fix-and-flip programs are built around a rehab budget and an after-repair value. Bridge loans are broader: they can cover an acquisition, a delayed refinance, or a loan that is coming due, with or without a heavy rehab.
What is the typical term?
Bridge and related short-term programs often run up to 12-24 months depending on the program. The right term depends on your exit.
Can I bridge into a DSCR loan later?
That is a common plan. Whether the take-out works depends on rental income, seasoning, completed work, and the new proposed payment.
Is this for a primary residence?
No. These are business-purpose loans on non-owner-occupied investment property. Owner-occupied financing is available in Virginia only.
Map the bridge and the exit
Tell us what has to happen in the next few months. We will compare short-term structures against a realistic take-out.
703-999-0903Loan programs, rates, fees, terms, and eligibility requirements are subject to change without notice. All loans are subject to credit, income, asset, property, and underwriting approval. This information is for educational purposes only and is not a commitment to lend.
Rockhouse Mortgage, LLC · NMLS #2469785 · Harry Hager, NMLS #647108 · Licensed by the Virginia Bureau of Financial Institutions · Outside Virginia, business-purpose investment property loans only · Equal Housing Opportunity