Bridge Loans Florida | Fast Close | MortgageHouz
Bridge Loan · Non-QM · Wholesale

Close Your Next Deal.
Before Selling Your Last.

Short-term bridge financing for investors, move-up buyers, and transitional scenarios. Fast funding. Flexible income docs. Up to $2.5M — across four lender options.

$2.5M
Max Loan
620
Min FICO
4
Lender Options
48hr
Close Possible

Which Program Fits Your Scenario?

MortgageHouz shops your bridge loan across four top wholesale and private lenders — matching terms, LTV, and income docs to your specific situation.

Residential · Buy Before You Sell
Residential Bridge
$2M
Max Loan
75%
Max LTV
660
Min FICO

For move-up buyers needing to close on a new primary residence before selling the existing one. No monthly payments for up to 12 months. Departure property payment excluded from DTI.

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Investment · Short-Term Hold
Investor Bridge
$2.5M
Max Loan
75%
Max LTV
650
Min FICO

Stabilized bridge for non-owner-occupied 1–4 unit, multifamily, and mixed-use properties. Interest-only structures, 12–24 month terms, fast approvals in 7–10 days.

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Multifamily · Value-Add
Multifamily Bridge
$10M
Max Loan
85%
Max LTC
600
Min FICO

Value-add and stabilized bridge for 5+ unit multifamily assets. 24–36 month interest-only terms, low or no cash flow requirements, non-recourse options available.

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Speed Close · No Appraisal
Fast-Close Bridge
48hr
Close
75%
Max LTV
$2M
Max Loan

No appraisal required. Asset-based underwriting for investment properties. Close in as little as 48 hours on fix-and-flip bridge scenarios — the fastest close in the market.

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Residential Bridge · Buy Before You Sell · Primary & 2nd Home

Bridge the Gap Between
Your Old Home and Your New One.

Access equity in your departing residence to close on your next home — without waiting for a sale or making contingent offers. No monthly payments for up to 12 months. Departure property excluded from DTI.

$2M
Max Loan
75%
Primary LTV
12 Mo
No Payment Term
660
Min FICO
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Complete Program Guidelines

Loan Parameters

  • Loan amounts: $150,000 – $2,000,000
  • Up to 75% LTV on primary residence (up to $1M–$1.5M)
  • Up to 65% LTV on loan amounts $1.5M–$2M
  • Up to 60% LTV on second homes (up to $1M)
  • 12-month balloon — no monthly payments required
  • Departure property payment excluded from DTI
  • Max DTI 50% (based on new permanent loan only)
  • Short-term structure: balloon due at 12 months

Credit & Eligibility

  • Minimum FICO 660 (primary and second home)
  • Minimum FICO 680 for traditional bridge
  • Five tradelines required, 2 active
  • BK, FC, SS, DIL: 48-month seasoning
  • Mortgage history: no 30-day lates in past 4 years
  • Make non-contingent offer — appear as a cash buyer
  • Permanent loan required at time of bridge origination
  • No ownership seasoning requirement

Income & Documentation

  • Full doc (W-2 / tax returns) accepted
  • 12-month bank statements (personal or business)
  • Asset depletion qualifying available
  • Co-borrowers allowed
  • Income verified automatically when eligible
  • Departure property does not affect new purchase DTI

Property Types

  • Single-family residences (SFR)
  • Townhomes & PUDs
  • Warrantable and non-warrantable condos
  • Site condos
  • Primary residence and second / vacation homes
  • No rural properties
  • Departure property must be MLS listed for sale

Ideal Use Cases

  • Buy new home before selling departing property
  • Make non-contingent, cash-competitive offers
  • Renovate departing home to maximize sale price
  • Relocating buyers with time pressure
  • Preserve equity while upgrading
  • Fund down payment on new purchase

Program Advantages

  • No monthly payments for up to 12 months
  • Bridge paid off at property sale — not out of pocket monthly
  • Non-contingent offer capability (look like cash)
  • Pay off existing lien + receive cash-out for new home
  • Up to 12 months to sell and maximize sale price
  • Pairs with full permanent loan program at close

Ready to Make a Non-Contingent Offer?

We'll structure your bridge loan to close fast, keep payments off your plate, and position you as a cash buyer — before your old home sells.

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MortgageHouz LLC · NMLS #2755375 · 321-201-0436

Investor Bridge · Stabilized · 1–4 Unit · Multifamily · Mixed-Use

Move Fast on Investment Properties.
Close Before the Competition.

Short-term interest-only bridge financing for real estate investors — purchase, refinance, or cash-out. Asset-based underwriting. 12–24 month terms. Approvals in as little as 7–10 days.

$2.5M
Max Loan
75%
Max LTV (Purch)
650
Min FICO
14 Days
Avg Close
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Complete Program Guidelines

Loan Parameters

  • Loan amounts: $75,000 – $2,500,000
  • Purchase: up to 75% of as-is value
  • Refinance: up to 70% of as-is value
  • Cash-out: up to 65% of as-is value
  • 12–18 month terms (extensions available)
  • Interest-only payments
  • No prepayment penalties on most structures
  • Approvals in 7–10 business days

Credit & Eligibility

  • Minimum FICO 650 (varies by LTV tier)
  • FICO 740+: up to 75% LTV
  • FICO 680–699: up to 70% LTV
  • FICO 660–679: up to 60% LTV
  • New and experienced investors both eligible
  • LLC and entity vesting accepted
  • Non-owner occupied only
  • DSCR qualifying available for investor bridge

Property Types

  • Non-owner occupied SFR (1 unit)
  • 2–4 unit residential properties
  • Condos and townhomes
  • 5+ unit multifamily ($250K–$2.5M, $1M max/unit)
  • Mixed-use (residential ≥70% of sq footage)
  • Urban and suburban markets (no rural)
  • Available in 44+ states

Income & Documentation

  • Asset-based / hard money underwriting available
  • DSCR qualifying: property income covers debt
  • Bank statements accepted (personal or business)
  • Full doc (W-2 / tax returns) available
  • No personal income docs required for DSCR track
  • Less documentation than conventional bridge

Ideal Exit Strategies

  • Refinance into long-term DSCR rental loan
  • Sell stabilized property for profit
  • Reposition and refinance multifamily
  • Hold while completing light rehab
  • 1031 exchange bridge financing
  • Acquire before DSCR loan closes

Speed & Pricing

  • In-house underwriting — no third-party delays
  • Approvals: 7–10 business days
  • Fund in as little as 2 weeks
  • Interest-only: maximize cash flow during bridge
  • Fixed-rate option available
  • No upfront application or pre-approval fees

Your Next Investment Deal Starts Here.

We'll structure your investor bridge to close quickly, maximize leverage, and position you for a clean exit — whether you're selling, refinancing, or holding.

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MortgageHouz LLC · NMLS #2755375 · 321-201-0436

Multifamily Bridge · Value-Add & Stabilized · 5+ Units · Up to $10M

Reposition Multifamily Assets.
From Bridge to Permanent — Seamlessly.

Value-add and stabilized multifamily bridge financing for 5–100 unit properties. Low or no cash flow requirements, flexible CapEx budgets, and non-recourse options. 24–36 month IO terms.

$10M
Max Loan
85%
Max LTC
70%
Max LTV
600
Min FICO
Request a Quote →

Complete Program Guidelines

Value-Add Bridge

  • Loan amounts up to $10,000,000
  • Up to 85% loan-to-cost (LTC)
  • Up to 70% loan-to-value (LTV)
  • 24–36 month interest-only terms
  • Low or no in-place cash flow OK
  • Small, medium, or large CapEx budgets
  • Non-recourse options available
  • Minimum FICO 600

Stabilized Bridge

  • Loan amounts up to $10,000,000
  • Up to 80% LTC / LTV
  • 24–36 month interest-only terms
  • Ideal for Freddie, Fannie, or bank fallout deals
  • Low in-place DSCR requirements
  • Non-recourse options available
  • Institutional-quality underwriting
  • Path to permanent agency financing

Eligible Properties

  • 5–100 unit multifamily buildings
  • Mixed-use (residential majority)
  • Urban, suburban, and select rural markets
  • Garden, mid-rise, and high-rise
  • Workforce housing and market-rate
  • Student housing (case-by-case)

Exit Strategy Options

  • Refinance into permanent agency (Freddie/Fannie)
  • Refinance into DSCR long-term rental loan
  • Sale of stabilized asset
  • Convert to long-term fixed hold
  • Syndication & equity recapitalization
  • 1031 exchange bridge

Value-Add Scenarios

  • Rehab / unit renovation programs
  • Lease-up of recently constructed property
  • Reposition from market-rate to affordable
  • Conversion from condo or hotel to apartments
  • Deferred maintenance stabilization
  • Occupancy below 90% (low DSCR eligible)

Borrower Requirements

  • Minimum FICO 600 (varies by program)
  • LLC, LP, or corporate vesting accepted
  • Sponsorship experience preferred (not required)
  • Personal guarantee required (non-recourse available)
  • In-house underwriting — fast approval
  • Dedicated analyst from origination to payoff

Value-Add or Stabilized — We Bridge the Gap.

From lease-up to major rehab to agency exit, we'll structure the right bridge product for your multifamily scenario and walk you through the path to permanent financing.

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MortgageHouz LLC · NMLS #2755375 · 321-201-0436

Fast-Close Bridge · No Appraisal · Investment Property · 48-Hour Close

48-Hour Close.
No Appraisal Required.

The fastest bridge loan in the market for investment properties. No appraisal, asset-based underwriting, up to 93% LTC for fix-and-flip scenarios. Close in under 48 hours when you can't wait.

48hr
Min Close Time
$2M
Max Loan
75%
Max LTV
93%
Max LTC (F&F)
Request a Quote →

Complete Program Guidelines

Loan Parameters

  • Loan amounts: $80,000 – $2,000,000
  • Max LTV: 75% (70% in Florida for some programs)
  • Max LTC: up to 93% (fix-and-flip bridge)
  • Max ARV LTV: 70%
  • Terms: 6–18 months
  • Interest-only payments
  • No prepayment penalty
  • No appraisal required

Speed & Process

  • Close in as little as 48 hours
  • Term sheet within 24 hours of submission
  • No appraisal — saves time and cost
  • Streamlined doc requirements
  • Loan terms never change after issuance
  • White-labeled docs and term sheets for brokers
  • Dedicated support from submission to close

Eligibility

  • Non-owner occupied investment properties only
  • New and experienced investors both eligible
  • LLC vesting and entity ownership accepted
  • Cross-collateral to cover down payment (case-by-case)
  • Down payment from LLC member acceptable
  • Available in 45+ states (excl. ND, SD, MN, NV, NY)

Property Types

  • Single-family residential (1–4 units)
  • Condos and townhomes
  • Multifamily up to 20 units (select programs)
  • Fix-and-flip rehab properties
  • Light to heavy renovation
  • Urban and suburban markets

When to Use This Program

  • Competitive auction purchases
  • Distressed or off-market acquisitions
  • Time-sensitive closings (24–72 hours)
  • Properties that don't qualify for appraisal
  • Bridge while arranging longer-term financing
  • Fix-and-flip with quick resale timeline

Rehab Draw Structure

  • 100% of renovation costs funded in escrow
  • Draw releases: up to 48-hour turnaround
  • No appraisal required for draws
  • Light, moderate, and heavy rehab eligible
  • Construction management coordination available
  • Interest accrues only on drawn funds

48 Hours. No Appraisal. Done.

When a deal can't wait, we have the fastest close in the market — term sheet in 24 hours, funded in 48. No appraisal, no delays, no surprises.

Request a Quote →

MortgageHouz LLC · NMLS #2755375 · 321-201-0436

A Bridge Loan for Every Scenario

Whether you're buying before selling, repositioning a multifamily asset, or closing an off-market deal in 48 hours — MortgageHouz has a bridge product for your situation.

🏡
Move-Up Buyers
Purchase your next primary residence before your current home sells. No contingency. No monthly payments for up to 12 months. Appear as a cash buyer in a competitive market.
🏘
Real Estate Investors
Close fast on investment properties before the competition. Asset-based underwriting, LLC vesting, DSCR qualifying — and no personal income docs required for investor track.
🏗
Multifamily Operators
Reposition value-add multifamily properties with 24–36 month IO bridge financing. Low in-place DSCR OK. Non-recourse options available for qualifying borrowers.
Speed-Critical Closings
Auctions, off-market deals, distressed acquisitions — when timing is everything, our fast-close program funds in under 48 hours with no appraisal required.
🧾
Self-Employed Borrowers
Bank statement qualifying available. 12 or 24 months of personal or business bank statements accepted in lieu of tax returns — ideal for borrowers with complex income.
🔑
Portfolio Builders
Acquire, stabilize, and refinance into long-term DSCR financing — the BRRRR strategy powered by bridge loans. Build your portfolio without waiting for traditional timelines.

Get Your Bridge Loan Quote Today

Residential, investor, multifamily, or fast-close — we'll match your scenario to the right program and get you a quote within one business day.

Request a Quote →

MortgageHouz LLC · NMLS #2755375 · 321-201-0436