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Flexible Loans For
Your Project
Fix-and-Flip Loans: Fast Funding, Flexible Terms
When it comes to fix-and-flip investments, timing is everything. Investors need quick access to capital to secure properties, complete renovations, and flip them for a profit. Our fix-and-flip loan product is tailored for speed and flexibility, making sure that investors can seize opportunities when they arise.
Rates as low as 9.90%
Average 7-10 day close
Up to 90% of the purchase price financed
12, 18, or 24-month terms, with interest-only options
Loan amounts ranging from $100K to $3MM
Up to 85% of the after-repair value (ARV)
100%
of the rehab cost covered
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DSCR Rental Loans: Long-Term Investment, Simplified
The Debt Service Coverage Ratio (DSCR) loan structure allows you to qualify based on the property’s cash flow, not personal income, making it easier to scale your rental property holdings.
Rates as low as 6.125%
Up to 80% LTV (loan-to-value)
Prepayment 1 - 5 years
660 Minimum FICO score
30 Year Fixed, fully amortizing loans
1.00 to 1.20
The ideal Debt Service Coverage Ratio (DSCR) percentage can vary depending on the type of investment property and the lender's criteria, but a commonly accepted benchmark is
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New Construction & Infill Loans: Building the Future
Our New Construction and Infill Loan product is specifically structured to support builders and developers.
Rates as low as 9.95%
Up to 85% of total costs (purchase price + construction costs)
24-month terms, with 3 or 6-month extension options
85%
With rates starting as low as 9.95%, our construction loans provide the capital you need to break ground. We finance up to 85% of your total project costs—including both the purchase price and construction expenses—ensuring you can focus on execution rather than worrying about where the next round of funding will come from.
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Our Guarantee
We take a personal approach to every project
Our mission is simple: to make real estate investing easy, accessible, and highly profitable for both new and experienced investors alike.At BridgeWise Lending, we bridge the gap between opportunity and success. Whether you're flipping a distressed property, scaling your rental portfolio, or developing new construction, we are your trusted lending partner.
Fix and Flip
Transform your investment vision into reality with our Fix-and-Flip Loans. With rates starting as low as 8.25%, and up to 95% of the purchase price covered, you can acquire and renovate properties quickly without tying up your capital. Enjoy the flexibility of 12, 18, or 24-month terms with interest-only options, ensuring you maximize your ROI while keeping your cash flow strong. Seize opportunities and scale your flipping business with ease!
Rental Property
Grow your rental portfolio effortlessly with our DSCR Rental Loans. Benefit from rates as low as 6.50% and up to 80% LTV, designed to help you acquire and finance rental properties based on their cash flow, not your personal income. With no prepayment penalties after three years and flexible loan terms, including 5/1 and 7/1 ARMs or 30-year fixed rates, you can enjoy stable, long-term returns and reinvest with confidence.
New Construction
Embark on your next development project with our New Construction Loans, offering rates starting at 9.95% and financing up to 85% of total costs. Whether you’re building residential or commercial properties, our generous 24-month terms with extension options and full coverage of rehab costs provide the financial support you need to complete your projects on time and on budget. Build smart, build fast, and realize your vision with BridgeWise Lending
Why Choose
BridgeWise?
Fix and Flip
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Leverage our Fix-and-Flip Loans with rates from 8.25% and up to 95% of the purchase price. Quick 12, 18, or 24-month terms with interest-only options mean you can execute deals faster and optimize your returns
Rental Property
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Take advantage of DSCR Loans with rates starting at 6.50% and up to 80% LTV. No prepayment penalties after three years and flexible terms like 5/1 or 7/1 ARMs allow you to manage cash flow and grow your rental assets effortlessly
New Construction
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Secure up to 85% of total costs for new construction projects with rates from 9.95%. Our 24-month terms, plus extension options, cover all your rehab costs, giving you the flexibility to complete projects efficiently and effectively
Our Guarantee
We are also flexible and can adapt to changes.
We have a team of experienced professionals who are dedicated to providing our clients.
Crush your flip game with our Fix-and-Flip Loans—8.25% rates and up to 95% financing to get you in and out fast!
Dominate the rental market with DSCR Loans—6.50% rates, up to 80% LTV, and no prepayment penalties after three years!
Build big with our New Construction Loans—9.95% rates and up to 85% of total costs to fuel your next development!
Frequently Asked Questions
What are the interest rates for hard money loans?
When considering a hard money loan, one of the most important factors for investors is the interest rate. Unlike conventional mortgages, hard money loans typically have higher interest rates due to their short-term nature and risk profile.
Hard money loan interest rates generally range from 8% to 12%, though they can sometimes exceed this, depending on factors like location, loan-to-value (LTV) ratio, and borrower experience.
These loans are designed for quick financing, often used for fix-and-flip projects or bridge loans, where timing and property value play a more significant role than the borrower’s credit score.At BridgeWise Lending, we offer competitive rates starting as low as 8.25%, making it easier for investors to fund their projects swiftly. By focusing on the value of the property and the potential return on investment, hard money loans provide flexibility that traditional financing can’t match.
Though the interest rates may be higher, the speed, convenience, and flexibility of hard money loans often outweigh the cost for experienced real estate investors looking for short-term financing options. Make sure to assess the costs carefully and consult with one of our loan officers to determine if hard money is the right solution for your next project!
For more information on hard money loans or to get started with your application, contact us at BridgeWise Lending today!
How Long Does It Take to Get a Hard Money Loan?
Hard money loans are popular among real estate investors for their speed and flexibility. Unlike traditional bank loans that can take weeks or even months to process, hard money loans are designed for quick turnaround times. At BridgeWise Lending, the process can often be completed in as little as 5 to 10 days.
Here’s a breakdown of the timeline:
Application Submission: Investors can submit their loan application online, and in most cases, get a response within 24-48 hours.
Property Evaluation: Since hard money loans are asset-based, the lender focuses on the property’s value. This can expedite the process significantly compared to credit-based loans.
Loan Approval and Funding: Once approved, the loan is typically funded within a week. In some cases, particularly if the deal is time-sensitive, it can be even faster.
Hard money loans offer a quick solution, allowing investors to move fast on deals, particularly in competitive markets. Whether you’re financing a fix-and-flip or need a bridge loan, BridgeWise Lending streamlines the process to get you funded quickly.
Contact us today to learn how fast we can help you secure your next investment!
Is Credit Score a Critical Factor in Qualifying for a Hard Money Loan?
When securing traditional financing, your credit score typically plays a significant role in determining eligibility. However, when it comes to hard money loans, credit score takes a backseat. At BridgeWise Lending, we frequently emphasize that hard money loans are primarily asset-based—meaning the value of the property you’re investing in is the central focus. So, while your credit score is considered, it’s not the most critical factor in qualifying for a loan.
1. Property Value Takes Priority
Hard money lenders care more about the value of the property you plan to invest in rather than your credit score. If the property has potential and the numbers make sense, you can likely secure funding, even with a lower credit score. Lenders evaluate the after-repair value (ARV) of the property to assess its profitability, making this the key to loan approval.
2.Your Exit Strategy Matters More
Hard money lenders also focus on your exit strategy—how you plan to repay the loan. A well-thought-out plan, whether it’s flipping the property or refinancing it into a long-term loan, holds more weight than your credit score. The better your strategy, the easier it is to secure a hard money loan, regardless of your past financial standing.
3. Down Payment: Your "Skin in the Game"At BridgeWise Lending, we also look at how much "skin in the game" you have in the project. This is typically reflected in your down payment. The more equity you bring into the deal, the less your credit score matters. For example, we offer up to 95% of the purchase price for fix-and-flip projects and 80% of the after-repair value (ARV), meaning you’ll need to cover the remaining amount, giving you strong leverage in your investment.
4. Credit Can Help Secure Better RatesWhile credit score may not be the critical factor for qualifying for a hard money loan, BridgeWise Lending offers programs that allow borrowers to utilize their credit to access better rates. Investors with stronger credit profiles can take advantage of more favorable interest rates and loan terms. This flexibility gives creditworthy investors an additional benefit, allowing them to reduce their borrowing costs while still using hard money to fund their deals.
5. Flexibility for Investors with Poor Credit Even if your credit score isn’t ideal, you can still access hard money loans. Unlike traditional financing, where credit scores below 620 might disqualify you, hard money lenders can work with borrowers with lower scores. The property’s potential and your down payment matter more, providing a solution for investors with past credit issues or those who need quick financing.
ConclusionIn summary, credit score is not a critical factor for hard money loans. Instead, BridgeWise Lending focuses on the property's value and your investment plan. However, if you have a higher credit score, you can access better interest rates and terms, making the deal even sweeter. Whether you're looking to flip a property, finance a rental, or tackle a new construction project, BridgeWise Lending can help you find the right financing, no matter where your credit stands.
Contact us today to explore your options for fix-and-flip, DSCR rental, or new construction loans, and let us guide you to fast, flexible, and competitive financing!
What is the typical loan term for a hard money loan?
Loan terms are generally short, usually 12 to 36 months. Hard money loans are intended for short-term financing, often used for real estate flips or as bridge loans.
What types of properties can be financed with hard money loans?
Hard money loans can be used to finance a wide range of property types, including single-family homes, multi-family units, land, and some commercial properties.
Are there any upfront fees with hard money loans?
Generally, there are no significant upfront fees for application or processing. However, lenders may charge points (a percentage of the loan) and other closing costs, which can vary
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