🔨 Bridge & Fix-and-Flip
Short-term money that moves at deal speed.
Some deals can’t wait for a 30-year process. Bridge and fix-and-flip loans are short-term instruments — typically 6 to 24 months — built for speed: acquiring a property before your current one sells, or buying a distressed property, funding the rehab, and exiting through a sale or a DSCR refinance.
Is this you?
Bridge & Fix-and-Flip tend to be a great fit for…
- Flippers buying distressed property with rehab budgets
- Homeowners buying the next house before the current one sells
- BRRRR investors who’ll refinance into a DSCR loan after rehab
- Auction and as-is purchases conventional lending won’t touch
Questions friends actually ask
Bridge & Fix-and-Flip: straight answers
What is ARV and why does it matter?
After-Repair Value — what the property will appraise for once the renovation is done. Fix-and-flip lenders size the loan against ARV (often up to ~70–75%), which is how a purchase plus a rehab budget can both fit inside one loan.
How do rehab draws work?
The renovation budget is held back and released in stages as work completes, verified by inspections. You front each phase, the draw reimburses it, and the project keeps moving.
What’s a bridge loan versus fix-and-flip?
Same short-term family. A bridge loan solves timing — buy the next property before the current one sells, using its equity. Fix-and-flip adds a rehab budget and an ARV-based structure. Both live or die on a clear exit.
What does the exit look like?
Two clean paths: sell the finished property, or refinance into a long-term loan — for rentals, usually a DSCR loan, which Joe can line up in parallel so the takeout is waiting when the rehab wraps.
Keep exploring
DSCR Loans
Investor loans where the rental income covers the payment. No personal income docs, no tax returns, no DTI.
Learn more →Bank Statement Loans
Qualify with 12–24 months of business or personal bank statements instead of tax returns. Built for the self-employed.
Learn more →1099 Income Loans
Qualify using 1–2 years of 1099 forms — no tax returns, no profit-and-loss gymnastics.
Learn more →Not sure if bridge & fix-and-flip are right for you?
That’s literally what Joe is for. One conversation, all nine programs side by side, zero pressure to move forward.