Bridge loans that keep your next deal moving.
Acquire or refinance investment property on your timeline 12-month interest-only financing while you line up your sale or long-term refinance.
Up to 80% LTV on Purchase $100K-$3M Loan Amounts 12 Months + Extension Options None Prepayment Penalty
Bridge Loans
Short-term capital for acquisitions and refinances
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.
Program Details
Three ways to bridge
Core Program
1-4 Unit Bridge
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
Experienced Investors
5-9 Unit Bridge
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
Scale your Portfolio
Portfolio Bridge — multiple properties, one loan
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
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.
Site Requirements
Eligible building sites
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
How It Works
From application to funding
01
Apply
Tell us about your deal property, purchase price or payoff, and your exit plan.
02
Underwrite
We order the appraisal and verify your experience, credit, and liquidity while you focus on the deal.
03
Close
Fixed-rate, interest-only loan closes with six months of interest reserves escrowed.
04
Exit
Sell or refinance whenever you're ready there's no prepayment penalty on standard terms.
FAQ
Bridge loan questions, answered
What can I use an Arcstone Bridge loan for?
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.
Can I fund renovations with a Bridge loan?
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.
What are the loan terms?
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.
What do I need to qualify?
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.
I bought a property with cash — can I recover my capital?
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 — the intended path for investors recycling acquisition capital into their next deal.
What are the cash-out refinance requirements?
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.
Do you lend on 5–9 unit buildings?
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.
What is a Portfolio Bridge?
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.