Nationwide Lender for Real Estate Investors

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DSCR LOANS

Great long-term rental rates starting at 7.25% with up to 85% LTV on SFR, 2-4 Units and Multi 5+ non-owner occupied units.

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BRIDGE LOANS

Short-term fix & flip financing for non-owner occupied properties with up to 90% LTV and 100% on rehab.

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RATE/TERM REFI

Refi out of your existing higher rate interest only loan and finance up to 70% of the current As Is Value.

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CASH-OUT REFI

Access your equity and Cash-Out up to 75% (LTV) with 12-36 month options available and competitive rates starting at 8.25%

Need Funding Immediately?

You Find It, We Fund It

If you’re an investor in residential real estate doing fix-and-flips, building homes, accumulating an income producing rental portfolio or even tackling larger multifamily projects, we have your back in all that we do.

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01

Submit Property Information:

Start by visiting our website or contacting our loan department. Fill out a lead form with essential details about the property you are seeking a loan for. Provide accurate information, including property type, location, estimated value, and any relevant details about your financial situation.

02

Receive Quote:

Once your property information is submitted, our team will review the details. You will receive a preliminary quote based on the information provided. The quote will outline the terms of the loan, including interest rates, loan amount, and any other relevant terms and conditions.

03

Set Closing Date and Submit Documents:

If you are satisfied with the quote, you can proceed to set a closing date with our team. We will guide you through the necessary documentation required for the loan application. Submit all required documents, such as proof of income, property details, and any additional paperwork specified by our team. Our team will review the documents, and upon approval, the closing date will be confirmed.

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Your Loan Approval Is Just a Click Away!

 

  • Investment Acquisition 

  • Investment Refinance

  • Development Financing 

  • Renovation Financing

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Need Proof of Funds for your upcoming project?
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"BrideWise Lending exceeded all expectations. We needed a bridge loan ASAP, and Kenton was not only incredibly responsive but also a true professional. We'd work with them again without hesitation and highly recommend BrideWise for real estate transactions in Arizona"

Richard D.Arizona RE Investor
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“BridgeWise made the impossible possible when they secured my property approval, where other lenders had failed. Their personalized expertise and dedication truly set them apart.”

Vanessa A.Texas RE Investor
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“I recently partnered with BrideWise Lending and couldn't be more pleased with the loan terms they secured for me, their remarkable speed in closing the loan (in under 10 days), and their exceptional service. Without a doubt, I would wholeheartedly recommend BrideWise Lending to my friends and family”

Shane M.Arizona RE Investor

Get Funded Faster

Fix and Flip Bridge Loans

 

  • Rates from 9.90%
  • No Prepayment Penalties
  • No minimum credit score required
  • Up to 90% LTV
  • Funding as soon as 24 hours

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Buy and Hold Loans

 

  • Flexible buy and hold loan terms
  • Full or partial amortization options
  • Quick same-day prequalification
  • Solutions for long-term investments
  • Capital support for property portfolios

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DSCR (Debt Service Coverage Ratio) Loans

 

  • Based on property rental income, not personal income
  • Options with as little as 15% down
  • Ideal for expanding property portfolio
  • No limit on the number of properties
  • Airbnb income accepted

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#FAQS

Frequently Asked Questions

Have Question? We are here to help

What is the minimum credit score for a hard money loan?

A hard money loan relies on real estate equity. There are no credit score requirements and loan decisions happen quickly. Although higher risk means a higher interest rate, hard money loans can be beneficial and are often the only way to take advantage of investment opportunities.

What are the three types of hard money?
These types include the following:
  • Transactional Hard Money Loans. You can get transactional hard money loans if you're looking to finance the purchase of a property. ...
  • Bridge Hard Money Loans. Another alternative for fast access to cash is bridge hard money loans. ...
  • Rental Hard Money Loan. ...
  • Commercial Hard Money Loans.
What are typical terms for hard money loan?

The term of a hard money loan refers to the duration over which the borrower is expected to repay the loan. These terms are relatively short, typically ranging from six months to three years.

How are hard money loans amortized?
Hard Money loans don't usually amortize, meaning you are not responsible for paying the principal back while the loan is outstanding. You will only make interest payments during the renovation project. Once the remodel is complete, you'd pay off the outstanding loan balance with proceeds from a refinance or sale.
 
What is "1 point" on hard money loan?

If a lender quotes you 1 points, it means 1% of your loan amount. So, if your loan is $100,000 with three points, that means it's a $3,000 fee. Points are frequently referred to as origination fees, and that's where you would see them on a settlement sheet.

How hard money payments work?

Unlike a traditional home mortgage, hard money lenders typically only charge interest on a monthly basis, which means you don't actually pay any money toward the principal loan amount at each monthly payment cycle

Have a question? Get in touch today

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