Acquire or refinance investment property on your timeline, with 12-month interest-only financing while you line up your sale or long-term refinance.
An Arcstone Bridge loan finances the purchase or refinance of a residential investment property while you position your exit. Fixed-rate, interest-only, and free of prepayment penalties, so you keep your options open.
Planning renovations? Our Fix & Flip / Renovation program combines purchase and rehab funding in one loan.
| Loan size | $100K – $3M |
| Max LTV (purchase) | Up to 80% |
| Max LTV (rate-and-term) | Up to 75% |
| Max LTV (cash-out) | Up to 70% |
| Term | 12 mo + extensions |
| Experience | All tiers |
| Loan size | $500K – $3M |
| Leverage | Matches 1–4 unit caps |
| Valuation | Commercial-grade appraisal |
| Underwriting | Rent roll + lease analysis |
| Term | 12 mo + extensions |
| Experience | 3+ completed projects |
Cross-collateralize 5 to 9 individually qualifying 1–4 unit properties in the same state under a single note. One closing, one payment, with property-level release options as you sell.
| Aggregate loan size | $500K – $3M |
| Properties per loan | 5 – 9 (min. $100K allocated each) |
| Transaction types | Purchase & rate-and-term refinance |
| Experience | 3+ completed projects |
Non-owner-occupied, business-purpose only. Property must be habitable at closing or carry a documented repair escrow. Properties needing substantial work belong in our Renovation program.
Tell us about your deal: property, purchase price or payoff, and your exit plan.
We order the appraisal and verify your experience, credit, and liquidity while you focus on the deal.
Fixed-rate, interest-only loan closes with six months of interest reserves escrowed.
Sell or refinance whenever you're ready. There's no prepayment penalty on standard terms.
Acquiring a residential investment property, refinancing existing debt on one, or pulling equity from a property you own (cash-out) while you prepare your exit through a sale or long-term refinance. Bridge loans are business-purpose only and can't be used for a home you live in.
No. Bridge loans don't include renovation funding during the term. If your project includes rehab work, our Fix & Flip / Renovation program finances the purchase and the renovation budget together in one loan.
Twelve-month base term with a fixed rate and interest-only payments. Qualified borrowers can extend in 3-month increments, up to two extensions for experienced investors. There's no prepayment penalty on the standard term.
A minimum 660 credit score, an eligible business entity (such as an LLC or corporation), verified liquidity covering your cash to close plus six months of interest reserves, and an eligible non-owner-occupied property. Leverage and loan size scale with your verified investment experience over the last 36 months.
Yes. Properties purchased all-cash within the last 180 days qualify for our Delayed Purchase program, which is treated like a rate-and-term refinance. It's the intended path for investors recycling acquisition capital into their next deal.
Cash-out refinances require at least 180 days of ownership and support up to 70% LTV for top-tier borrowers. Proceeds limits scale with the equity remaining in the property. Talk to an advisor about your scenario.
Yes, for investors with three or more verified completed projects. 5–9 unit Bridge loans run $500K–$3M and are underwritten with a commercial-grade appraisal, rent-roll verification, and lease analysis.
One loan secured by 5 to 9 of your 1–4 unit investment properties in the same state: a single note and closing instead of many. Each property qualifies on its own merits, and individual properties can be released as you sell them.
Get terms on your acquisition or refinance from a lender that moves at investor speed.