What Is a Bridge Loan?
A bridge loan is a short-term, asset-based loan designed to help real estate investors quickly finance or refinance an investment property until a longer-term financing solution or exit is available.
Bridge loans are commonly used to acquire properties, refinance existing debt, complete renovations, or stabilize cash flow prior to selling or refinancing into permanent financing such as a DSCR loan.
How Chavez Capital Bridge Loans Work
Chavez Capital works with a network of private and institutional lenders that specialize in bridge financing for real estate investors. Our team helps structure bridge loans based on the property, timeline, exit strategy, and overall deal strength.We focus on speed, flexibility, and deal fundamentals to help investors move forward efficiently while preparing for their next financing step.
Bridge Loan Highlights
- Short-term financing solutions
- Asset-based underwriting
- Flexible structures based on exit strategy
- Available for purchase or refinance
- Interest-only payment options
- Fast approvals and closings
- Available nationwide (not available in UT, MN, VT, or SD)
Common Bridge Loan Use Cases
- Acquiring properties that need renovation or stabilization
- Refinancing properties prior to DSCR or long-term financing
- Short-term financing while completing improvements
- Transitional properties with changing cash flow
- Time-sensitive acquisitions requiring fast closings
How the Bridge Loan Process Works
1. Apply
Submit basic deal details to receive initial terms.
2. Confirm Terms & Submit Documents
Upload required documents after reviewing terms.
3. Underwriting
Our team completes a full review and prepares the loan for approval.
4. Approval
Receive final approval and updated term sheet.
5. Closing & Funding
Closing documents are prepared and funds are disbursed.
Bridge Loan FAQs
Many bridge loans can close in as little as 7–14 days, depending on documentation, property condition, and readiness.
Bridge loans may be available for residential and multifamily investment properties.
No. Bridge loans through Chavez Capital do not include renovation funding. If a project requires renovation or rehab funds, it will typically be structured as a Fix & Flip or Fix and Hold loan instead.
Common exits include selling the property or refinancing into a long-term loan such as a DSCR loan.
Yes, bridge loans are available in 46 states. Financing is not currently available in UT, MN, VT, or SD.
Ready to Secure a Bridge Loan?
Apply today and see if your deal qualifies for short-term bridge financing.