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If you're in the process of selling one property and buying another, or if you need to access equity for a short period, our No-Doc Bridge Loans are designed for you. They're perfect for real estate investors looking for a quick, flexible financing solution to bridge the gap. Whether you're eyeing short-term rental opportunities like AirBNBs, VRBOs, or that dream vacation spot, our loans offer competitive terms to help you make the most out of your investments

Bridge Loans

Bridge loans

Flexible Loan Terms for Bridge Loans

  • Loan Amounts: $100K - $3M

  • Loan To Value: 

    • ​Up to 90% CLTV For a Purchase

    • 75% LTV For a Refinance or Cash-Out

  • Loan Terms: 12-24 Months, Interest Only Payments

  • Property type: 1-4 Unit Investment residential and Short Term Rental.

  • No Debt Service Coverage Ratio Requirements

  • No Income or Employment Verification

  • 600 minimum FICO

  • Where we lend, Nationwide except: Nd, SD, NV, AZ, CA, ID, UT

 Application Process, We Make
Getting Your New Loan Simple
.

Quick Inquiry

Provide project details for initial assessment Below, and we'll let you know if we can assist you

Prompt Approval

If it's a match, complete a two-minute online application.Review and sign the terms we send over

Prepare for Closing

Step through the final phase of your loan process with ease, We'll  collect closing documents and schedule the closing date

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APPLY NOW

Take the next step in your investment journey with a lender committed to your success. Contact us or request a quote today

Eligible Property Types for Financing

  • Single-Family Rentals.

  • Condominiums.

  • Planned Unit Developments (P.U.D.s).

  • Townhomes.

  • Duplexes.

  • Triplexes.

  • Quadplexes.

Why Insource Funding?

  • Speed: Experience our expedited approval process, with same-day approval following your application, ensuring you can move quickly in a competitive market
     

  • Light Documentation: Our No-Doc policy means minimal paperwork. No tax returns, income verification, or bank statements required.
     

  • Quick Closings: We strive to close within 15 days or less. 

The Strategic Advantages of Bridge Loans in 2024

Bridge loans, a vital financial tool for real estate investors in 2024, offer the agility and flexibility needed to navigate the competitive property market. These short-term financing solutions, typically ranging from 12 to 24 months, are designed to fill the gap between immediate funding needs and securing long-term financing:
 

  • Short-Term Financing: Bridge loans provide a swift financial solution for investors looking to act quickly on property acquisitions. This short-term financing, ideal for periods of 12 to 24 months, is perfectly suited for investors planning to rehab and sell properties (fix-and-flip) or awaiting the sale of an existing property before purchasing another.
     

  • Interest-Only Payments: One of the most attractive features of bridge loans is the option for interest-only payments. This benefit allows investors to manage cash flow more efficiently by minimizing monthly payment obligations, thereby maximizing liquidity for renovations, acquisitions, or other investment-related expenses.
     

  • Quick Access to Capital: In the fast-paced real estate market, timing is everything. Bridge loans offer investors quick access to capital, ensuring they can seize opportunities as they arise without the lengthy approval processes associated with traditional financing.
     

  • Flexibility in Property Acquisition: For real estate investors targeting properties to rehab and flip or those in transition between sales, bridge loans provide the necessary flexibility to purchase without having to wait for existing properties to sell. This advantage is crucial in hot markets where delays can mean missed opportunities.
     

  • Leverage for More Deals: By utilizing bridge loans, investors can leverage their capital to engage in multiple projects simultaneously. This increased capacity for deal flow can significantly enhance portfolio growth and profitability.
     

Incorporating these advantages into your investment strategy with bridge loans can be a game-changer, offering the speed, flexibility, and financial leverage needed to thrive in 2024's real estate market. Whether you're expanding your fix-and-flip operations or navigating property transitions, bridge loans are designed to support your investment journey, ensuring you stay ahead in the competitive real estate landscape.

  • Who do I contact for servicing inquiries?
    For any loan servicing inquiries, please contact : PHH Mortgage Services P.O.BOX 5954 SPRINGFIELD, OH 45501-5954 Tel: 1-800-936-8705
  • What type of Loans are offered by Insource Funding?
    Insource Funding offers short-term bridge financing, fix & flip loans, and 30-Year Fixed-Rate Loans. The rates are determined based on the borrower and the individual property. For more information about our rates and loan options, please Call us at 800-805-3391.
  • What type of documents are required?
    here is a list of the documents we will need. REO Schedule: A list of properties you currently own if any. If a purchase: we will need the sales Contract If a refinance: a payoff quote ( title can order this for you) Lease(s) – (if currently rented) ID:A copy of your Drivers license Insurance: agent contact information It's really that simple. However, depending on the specific circumstances of the borrower and the collateral involved, we may request additional documents and/or materials in certain cases
  • What type of properties can you finance ?
    The following property types are eligible for our rental loans: Single Family Residence (SFR) 2-4 Unit Properties Townhouse Multifamily Condos and apartments Commercial properties
  • Can you get a 30 year loan on an investment property?
    Yes, you can get a 30-year loan for investment residential or commercial properties.
  • Are reserves required the purchase of a rental property?
    We do not require reserves for any of our loan programs although, on a purchase, we may request a bank statement to verify that you have the necessary funds to close.
  • What is a Bridge Loan?
    bridge loans are short-term financing options that are used to "bridge" the gap between the purchase of a property and the long-term financing needed to repay the loan. These loans are typically used for real estate investments, such as fixing and flipping or renovation projects, and are issued for a period of up to 12-24 months.
  • Are bridge loans available for rental properties?
    Yes, bridge loans are available for rental properties. Bridge loans can be beneficial because they provide short-term financing to help real estate investors purchase or refinance properties quickly. This can be especially useful in situations where traditional financing options may not be available or take too long to secure. With a bridge loan, investors can bridge the gap between the purchase of a new property and the sale of an existing property, allowing them to take advantage of investment opportunities that may not be available otherwise..
  • Can I get an investment property loan in an LLC?
    Yes, it is possible to get an investment property loan in an LLC. Insource Funding offers loans to LLCs and other corporate entities for the purpose of acquiring, refinancing, or improving investment properties. As a borrower, you may choose to use an LLC to protect your personal assets and limit liability in case of legal issues related to the investment property. By working with Insource Funding, you can access flexible and competitive financing options for your real estate investment needs, even if you choose to invest through an LLC.
  • How many investment properties can I own?
    The number of investment properties you can own is not limited by Insource Funding. However, there may be other factors such as your financial situation and ability to manage multiple properties that could impact how many you can own. It is always best to consult with a financial advisor to determine what is best for your unique situation.
  • Is it possible to buy an investment property with a 10% down payment?
    Yes, at Insource Funding, you can finance your investment property with just 10% down through our Bridge or Rental Loan program which allows up to 90% CLTV. This means you have the opportunity to secure your investment property with a low down payment and have more capital to put towards other investments or expenses. Call us for more details 800-805--3391
  • How hard is it to refinance a rental property?
    With Insource Funding, refinancing your rental property has never been easier. Our flexible loan options range from $150,000 to $3,000,000, and boast loan-to-value ratios of 75-80%, making it simple to find a solution that works for you.
  • What are the upfront fees and costs?
    Insource Funding doesn’t charge any upfront fees during the application / pre-approval process. the only fee the borrower is required to pay is the appraisal fee.
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