Wholesale & Correspondent · NMLS #344236
AE Desk: (800) 830-5626
Bridge loans your investor clients can count on.
Fast, fixed-rate, interest-only financing for acquisitions, refinances, and delayed purchases — 1–4 unit, 5–9 unit, and portfolio structures, all under one approval.
Up to 80%
LTV on Purchase
$100K–$3M
Loan Amounts
12 Months
+ Extension Options
None
Prepayment Penalty
Bridge
Where it fits in your pipeline
Bridge is the answer when your client needs to close fast on an investment property, pull equity from one they own, or recycle capital from an all-cash purchase — without a renovation component. Rehab deals route to Fix & Flip / Renovation.
Every experience tier qualifies — leverage and loan size scale with your borrower’s verified track record, so first-timers and full-time operators both fit.
Program Highlights
Purchase, rate-and-term, and cash-out refinance
Fixed rate, interest-only, balloon at maturity — no prepay at base term
Delayed purchase: all-cash buys within 180 days priced as rate-and-term
Six months interest reserves escrowed (cash-out proceeds can fund)
Extensions in 3-month increments for qualified borrowers
Min FICO 660 · entity borrowers with PG from 25%+ owners
Leverage Matrix
Bridge, tier by tier
Parameter | Tier 1 (5+) | Tier 2 (3–4) | Tier 3 (1–2) | Tier 4 (0) |
|---|---|---|---|---|
Max LTV — purchase | 80% | 75% | 70% | 65% |
Max LTV — rate & term | 75% | 70% | 65% | 60% |
Max LTV — cash-out | 70% | 65% | 60% | Ineligible |
Loan size (1–4 unit) | $100K–$3M | $100K–$3M | $100K–$1.5M | $100K–$1M |
Loan size (5–9 unit) | $500K–$3M | $500K–$3M | Ineligible | Ineligible |
Term & extensions | 12 mo + two 3-mo | 12 mo + two 3-mo | 12 mo + one 3-mo | 12 mo |
Min FICO | 660 | 660 | 660 | 660 |
Cash-out requires 180-day ownership seasoning; value basis is seasoning-conditioned. FICO, foreign-national, and property adjustments per the Leverage Adjustment Schedule. T4 borrowers must live within 100 miles of the subject.
T1 / T2
5–9 Unit Bridge
Loan size
$500K – $3M
Leverage
Matches 1–4 unit caps
Appraisal
Commercial narrative or URAR 1050
Debt-yield floors
9.0%–10.0% by value/unit
Also required
Rent roll + lease analysis
REFI exit test
1.1x DSCR at take-out
T1 / T2
Portfolio Bridge
Aggregate loan
$500K – $3M
Properties
5 – 9, same state
Min allocated / property
$100K
Transactions
Purchase & rate-and-term
Qualification
Each property stands alone
Releases
Greater of 120% allocated / 100% net proceeds
Process
Working a Bridge file with AMP
01
Scenario
Send address, values, FICO band, and experience — get leverage and pricing structure back.
02
Package
Entity docs, guarantor items, contract or payoff, and liquidity statements per the checklist.
03
Underwrite
We order the appraisal and secondary valuation; declared exit strategy is tested at intake.
04
Close
Fixed-rate IO closes with reserves escrowed — and your client’s clean payoff builds their tier.
FAQ
Broker questions, answered
Have a Bridge scenario right now?
Send it to the desk — program, leverage, and pricing structure back, fast.