Turnkey bridge. Investment only.
No credit score. No income check. Up to 65% of what the rental is worth today. Close in as little as 5 days. This door is not a rehab.
Updated September 2026
Foreclosure looming. Bankruptcy looming. No score. A bank will not take that file. This door does not ask for a credit score or a paycheck. It asks if the rental is already turnkey, and if the loan is 65% or less of as-is value.
Guidelines. Not a quote. Not a promise you hit the top of the range.
| Screen | Guideline |
|---|---|
| Loan size | $150K to $3M |
| Term | 6 to 24 months, interest-only |
| Loan-to-value | Up to 65% of as-is value |
| Origination | 2 points |
| Early payoff | 6 months of interest, minimum |
| Closing speed | As little as 5 days from a signed term sheet |
| Credit | No score requirement |
| Income | No personal income check |
| Appraisal | No third-party appraisal |
| Property | 1 to 4 units, or 5 or more. Turnkey. Investment only |
| Where | 37 states. Cities and major metros. Not rural |
Send it
Do not send it
House needs work? That is a different door. Rough-house bridge
Rent already covers a 30-year payment? DSCR is usually the better door. DSCR loans.
No. This door has no credit score requirement and no personal income check. Foreclosure looming or bankruptcy looming does not kill it. The house still has to be turnkey.
No. Not construction, not a heavy rehab, not land, and not a flip. The rental has to be turnkey or move-in ready. If the house needs work, that is a different door.
As little as 5 days from a signed term sheet. That is the screen, not a promise on every file. Send the address.
$150K to $3M. Up to 65% of as-is value. 6 to 24 months, interest only. Origination is 2 points. Pay it off early and you still owe 6 months of interest. Those are guidelines, not a quote.
37 states. Populated cities and major metros. Rural is a no. Send the address and we will tell you if we can do it.
No. Investment only. 1 to 4 unit rentals, or a building with 5 or more units.
No. We text. We do not call. No hard pull for sending the scenario.
Sending a file is not an approval and not a credit pull. We text the same business day. We do not call. If we can structure it, we name the door. If we cannot, we say so.
These are the guidelines we screen. They are not a promise that your file hits the maximum. Credit-event seasoning, occupancy, and property condition still have to be confirmed. Not a commitment to lend. We text. We do not call.