Bridge Loan with Rehab | Fix-and-Flip Financing | Convoy Home Loans

What Is a Bridge Loan with Rehab?

A Bridge Loan with Rehab (also known as a Fix-and-Flip or Renovation Bridge Loan) is a short-term, interest-only loan designed to cover both the purchase of a property and the cost of its rehabilitation.

These loans are specifically for investors and focus on the project's after-repair value (ARV) rather than the borrower's personal income.

Program Highlights:

Property Type: 1-4 unit residential properties · Occupancy: Investor only · Lending Area: Nationwide · Minimum Loan Amount: $150,000+ · Loan-to-Cost (LTC): Up to 90% · Experience: Not required, but more experience unlocks higher leverage and better terms · Income Documentation: Not required

These loans provide fast funding so you can act quickly on opportunities and complete rehabs without tying up your own capital for long periods.

Key Benefits of Bridge Loans with Rehab

High Loan-to-Cost (up to 90%)

Finance both purchase and renovation costs with minimal cash out of pocket.

No Income Documentation

Qualification based on the property and your exit strategy, not personal tax returns.

Fast Funding

Close in as little as 7-21 days.

Interest-Only Payments

Keep monthly costs low during the rehab period.

Nationwide Availability

Finance projects anywhere in the United States.

Flexible Terms

Typically 6-18 months with extension options.

Rehab Capital Included

Funds are released in draws as renovation progresses.

Potential Drawbacks

Higher Interest Rates

Short-term bridge loans carry higher rates than long-term permanent financing.

Short Loan Term

Must refinance or sell within the loan term (usually 12 months).

Exit Strategy Required

Lenders want a clear plan (sell, refinance, or rent).

Experience Matters

While not required, seasoned investors receive higher LTC and better pricing.

Fees & Closing Costs

May include origination fees, draw fees, and extension fees.

Who Should Consider a Bridge Loan with Rehab?

This program is ideal for:

Real estate investors doing fix-and-flip projects

House flippers looking for fast acquisition + rehab capital

Investors expanding into new markets nationwide

Experienced rehabbers seeking up to 90% LTC

Newer investors with solid projects and some skin in the game

Those who want to avoid using personal income documentation

How a Bridge Loan with Rehab Works

Pre-Approval

We review the property, ARV, rehab budget, and your experience level.

Purchase & Rehab Budget

Loan covers acquisition + renovation costs (up to 90% LTC).

Closing

Fast funding to secure the property.

Rehab Phase

Funds released in controlled draws as work is completed.

Exit

Sell the property, refinance into a DSCR or long-term loan, or rent it out.

We coordinate with inspectors and lenders to make the draw process smooth and efficient.

Bridge Loan with Rehab vs. Other Investor Options

Loan Type	Term	LTC / LTV	Income Docs Required	Best For
Bridge Loan + Rehab	6-18 months	Up to 90% LTC	None	Fix & Flip / Renovations
Investor X (DSCR)	30 years	75-80% LTV	None	Long-term rentals
Short Term Rental	30 years	75-85% LTV	Minimal	Airbnb / Vacation rentals
Conventional Investment	30 years	75% LTV	Yes	Lower rate, stable holdings

Why Choose Convoy Home Loans for Your Bridge Rehab Loan?

As a nationally licensed mortgage broker (NMLS #2130517) with offices in San Diego and El Segundo, we have strong relationships with top bridge and private lenders across the country. Our mission is to provide financing options that enhance your standard of living while treating you like family.

We understand real estate investing and deliver fast, reliable funding so you can seize opportunities before they disappear.

Ready to fund your next fix-and-flip or renovation project? Get pre-approved for a Bridge Loan with Rehab today - no obligation.

Frequently Asked Questions

What property types are eligible?

1-4 unit residential investment properties only.

Is income documentation required?

No - these loans do not require personal income verification or tax returns.

What is the maximum Loan-to-Cost?

Up to 90% LTC (loan-to-cost) for qualified projects and experienced borrowers.

Do I need prior rehab experience?

Experience is not required, but it helps secure higher leverage and better terms.

Is this program available nationwide?

Yes - we can finance bridge/rehab projects in all 50 states.

What is the minimum loan amount?

$150,000 and above.

Can I use this for a long-term rental after rehab?

Yes - many investors complete the rehab and then refinance into a DSCR or permanent loan.

Convoy Home Loans · NMLS #2130517 · Licensed Mortgage Broker
AZ · CA · CO · FL · GA · ID · MD · MI · MN · NC · NM · OH · OR · PA · TN · TX · VA · WA and more
This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.

Bridge Loan with Rehab | Fix & Flip Financing Nationwide | Convoy Home Loans