Bridge loans for real estate investors

A bridge loan is short-term, interest-only capital that lets investors acquire and stabilize a property fast, then refinance or sell. Mortava funds bridge loans up to 80% LTV and up to $5M, with no prepayment penalty and closings in as few as 5–10 days — the ideal tool for competitive acquisitions and the BRRRR exit.

Get a Live Term Sheet → Soft inquiry only — no hard credit pull.

Max leverage

Up to 80% LTV

Loan size

Up to $5M

Term

12 months · interest-only

Prepay penalty

None

When to use a bridge loan

Use a bridge loan when speed matters more than rate: winning a competitive purchase, buying a property that won't yet qualify for permanent financing, or unlocking equity to act on the next deal. Because there's no prepayment penalty, you can refinance into a DSCR loan the moment the property is stabilized.

Bridge to DSCR — the BRRRR exit

The classic move is bridge-to-DSCR: acquire and reposition with bridge capital, rent it, then refinance into a 30-year DSCR loan and pull your cash back out. Mortava funds both ends of that cycle, so the handoff is seamless.

Frequently asked questions

What is a bridge loan?

A bridge loan is short-term, interest-only financing used to acquire or reposition a property quickly before refinancing or selling.

Is there a prepayment penalty on bridge loans?

No. Mortava bridge loans carry no prepayment penalty, with terms up to 12 months and amounts up to $5M.

How fast can a bridge loan close?

As few as 5–10 days, since qualification is asset-based.

What credit score do I need for a bridge loan?

Most bridge programs start at a 620 FICO.

The BRRRR method →DSCR programs →