REAL ESTATE INVESTOR FINANCING

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    Bridge

    Bridge Financing Guide

    When short-term bridge capital fits, how no-appraisal-under-$1M works, and valid exit strategies.

    What It Is

    Short-term, asset-based, interest-only financing for rent-ready, stabilized, or substantially complete investment properties. Bridge carries the property until a sale, a DSCR refinance, or another permanent-financing exit. It is not Green Fire's primary major-rehab product — substantial renovation routes to Fix & Flip.

    What Problem It Solves

    Timing. Bridge lets an investor acquire or refinance before a sale or permanent loan is ready — a fast close, a 1031 replacement, a buy-before-you-sell, or a bridge-to-DSCR for a rent-ready property. Conventional income documentation isn't required because underwriting is primarily asset-based.

    When It's Commonly Used

    Auction acquisitions with 7–30 day windows, 1031 exchanges, buy-before-you-sell, rent-ready rental acquisitions before permanent financing, and refinancing out of short-term debt.

    Who Generally Qualifies

    Credit is reviewed but Bridge underwriting is primarily driven by the asset, leverage, and exit strategy — not by W-2 income, tax returns, or traditional DTI. First-time investors can be reviewed; compensating factors include lower leverage, stronger liquidity, a straightforward property, and a strong exit.

    Current Green Fire Program Requirements

    Maximum Leverage Bridge: up to 80% LTV, up to ~$3M, 12–18 months interest-only, 10-day core close, no appraisal on qualifying loans under $1M (loan amount), deferred point option, no prepayment penalty, 47-state availability. Express Bridge: ~75% LTV baseline, no-appraisal express structure, as-fast-as-48-hour execution options, short-term interest-only, no prepayment penalty.

    No Appraisal on Bridge Loans Under $1M

    For Bridge loans under $1 million in loan amount, the core program uses an internal/streamlined valuation instead of requiring a traditional third-party appraisal. This is one reason Bridge can close quickly. For loans at or above $1M, a third-party appraisal may be required. The threshold is tied to the loan amount — not the property value or purchase price.

    What Documents to Have Ready

    Completed application, government ID, entity documents, purchase contract (for acquisition), title report/commitment, insurance, existing payoff (for refinance), and a clear description of the exit strategy. Bridge generally does not require tax returns, W-2s, pay stubs, or traditional DTI.

    How the Money Moves

    Monthly scheduled payments generally cover interest rather than principal; the balance remains outstanding during the term. At exit, the borrower repays the outstanding principal and any accrued amounts. No prepayment penalty on the current core program means payoff can occur whenever the exit happens.

    How Will the Bridge Get Repaid?

    Common exits: sale, DSCR refinance, other permanent financing, or another verified capital source. Underwriting evaluates how realistic the exit is, how long it will take, what happens if it's delayed, and whether the projected refinance or sale actually works.

    Biggest Risks & Tradeoffs

    Bridge is short-term — reaching maturity before the exit is the main risk. Extensions may be available case by case but are not automatic; begin the extension discussion well before maturity. Interest-only means no principal paydown. If the property needs substantial rehab, Bridge is the wrong product.

    When to Use a Different Product

    If the property needs substantial renovation, large construction budget, or construction draws, route to Fix & Flip (or Ground-Up Construction for new builds). If the goal is a long-term hold and the property is rent-ready, DSCR is the permanent product. If the core requirement (contract, spread, seller carry, or funded end buyer) is missing, a different product — or a restructured transaction — is usually a better fit than forcing the structure.

    How Green Fire Structures It

    Green Fire reviews the as-is value, condition, type, location, comparable sales, requested LTV, borrower credit/liquidity, experience, and exit strategy/timing, then matches the deal to Maximum Leverage or Express Bridge.

    Frequently Asked Questions

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    Explore Bridge Programs

    Educational content only. Guides describe how financing structures generally work and are not approvals, commitments, or guarantees of terms. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by provider, property, location, borrower qualifications, documentation, and deal structure. All financing is subject to independent provider review, underwriting, and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.

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