Bridge Loans in Maryland, DC & Virginia
Need short-term capital to close quickly, make improvements, or buy time while permanent financing is arranged? Property Flip Loan structures business-purpose bridge loans for investors and operators in Maryland, Washington, DC, and Virginia—so you can win deals now and refinance on your timeline.
Bottom line: Fast decisions, flexible collateral (including cross-collateralization), and no prepayment penalties. Use our capital to secure the asset; then refinance into long-term debt when you’re ready.
Business-purpose loans only. We are not licensed for consumer/owner-occupied mortgages. Cross-collateralizing with a primary residence is considered business-purpose and evaluated case-by-case for compliance.
Why Investors Choose Property Flip Loan
Speed to close: When timelines are tight (auction dates, 1031 deadlines, hard contract closes), we move fast.
Flexible collateral: Use investment property equity—or cross-collateralize with other assets. Case-by-case, we can consider using equity in your primary residence as additional collateral for a business-purpose loan.
Simple structure: Short-term, interest-only payments; no prepay penalty if you refi early.
Bridge to best-fit debt: Refinance to DSCR, conventional, SBA, or bank portfolio once the asset is stabilized.
Local expertise: Focused on MD / DC / VA across residential investment and select small commercial.
Key Criteria (Snapshot)
Term: Up to 12 months (extensions available)
Prepayment: No prepayment penalties
Collateral: Residential investment, small multifamily, and select small commercial; cross-collateralization allowed (case-by-case primary residence equity as additional collateral for business-purpose loans)
Use of Funds: Acquisition, time-sensitive closes, light cap-ex to qualify for take-out, payoff/seasoning, interest reserves
Structure: Typically 1st lien on target asset; additional liens as needed for leverage/coverage
(We don’t publish rates online; final terms depend on collateral, leverage, and exit.)
Where a Bridge Loan Shines (Use Cases)
Win the deal: Close before an auction or ahead of competing buyers; refinance later into cheaper, permanent debt.
Refi timing: Seller won’t wait for bank timing? Use a bridge now; take out with DSCR/conventional/SBA once docs and appraisal are ready.
Cap-ex to qualify: Make repairs or tenant improvements needed for agency or bank underwriting (e.g., safety items, rent-ready unit, TIs).
Seasoning/DSCR: Stabilize rents, build T-12 history, or season title before permanent debt.
Payoff pressure: Balloon or maturing private note? Bridge to avoid default and secure longer-term financing.
Portfolio reshuffle: Short-term liquidity to purchase, sell, or refinance multiple assets in sequence.
A Real Example: Marina Bridge (3 Months)
A few years back we funded a 3-month bridge for a marina acquisition—outside our core focus of residential/small multifamily, but time-sensitive. Our borrower used the bridge to lock the asset before it hit the auction block, then secured attractive long-term financing. The bridge won the deal and created breathing room for an optimal permanent loan.
How Our Bridge Loans Work
Deal Snapshot (fast pre-screen): Address, collateral, payoff(s), requested amount, exit plan, timeline.
Underwrite & Size: We size to conservative value and confirm your take-out path (lender type, DSCR target, timing).
Close Fast: Title, insurance, entity docs; interest-only structure with optional interest reserve.
Execute the Plan: Complete quick work, stabilize income, or finalize your long-term loan.
Refinance/Payoff: Pay off anytime—no prepayment penalty.
What We Look For (Underwriting Snapshot)
Exit clarity: Identified take-out lender type (DSCR, bank, SBA, agency) and timeline.
Collateral strength: Clean title, adequate equity, and marketable location.
Cash flow or plan to stabilize: Pro forma that supports future DSCR or bank metrics.
Sponsor capability: Experience, liquidity for closing/soft costs, and a credible plan.
Risk controls: Proper insurance; clear use of proceeds; realistic calendar for refinance.
Eligible Property Types
Residential investment: SFR, townhomes/rowhomes, 2–4 unit small multifamily
Select small commercial: Mixed-use, small office/retail, light industrial (case-by-case)
Cross-collateralization: Additional investment properties—and case-by-case primary residence equity for business-purpose loans
Not eligible: Consumer/owner-occupied purpose loans.
Example: Bridge to DSCR
Target Property (as-is value): $500,000
Use of Funds: Close quickly + $25,000 in make-ready cap-ex
Plan: Lease-up to $4,750/mo; then DSCR refi at 70–75% LTV
Exit Timing: 60–120 days post-close (stabilize + appraisal + docs)
We secure the asset with a short-term, interest-only bridge, optionally with an interest reserve. Once leased up and DSCR ≥ ~1.20x, borrower refinances into a 30-year DSCR loan and pays off the bridge early (no penalty).
Required Documents (Typical)
Entity docs & ID
Purchase contract or payoff statement(s)
Rent roll / pro forma (if applicable)
Insurance (appropriate to collateral; lender loss payee)
Title commitment; payoff letters for liens being cleared
Exit plan evidence (term sheet, lender conversation, or DSCR pro forma)
FAQs
Do you lend on primary residences?
We do not make consumer/owner-occupied mortgages. For business-purpose loans, we may evaluate cross-collateralization using primary residence equity case-by-case and subject to compliance.
How fast can you close?
Once we have a complete file and clear title, we can often close in days, which is why bridges are ideal for auction or deadline-driven deals.
Is there a prepayment penalty?
No—pay off anytime when your long-term financing is ready.
What’s a typical structure?
Short-term, interest-only, first lien on the target asset; additional collateral as needed; optional interest reserve.
Can you fund light repairs during the bridge?
Yes—either as a small holdback or via a limited draw if specific work is required for take-out underwriting.
Ready to Bridge the Gap?
Send a 6-Line Bridge Snapshot for a quick review:
Address/Collateral:
Requested amount & use of funds:
As-is value & liens:
Exit plan: DSCR / conventional / SBA / bank portfolio
Timeline: Target close + target refi date
Sponsor notes: Experience & liquidity