bRIDGE & tERM LOANS FOR RESIDENTIAL REAL ESTATE INVESTORS
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Below are our standard loan sizes. However, we can work on larger opportunities on a case-by-case basis. Short and long-term financing for non–owner–occupied 1–4+ unit residential investment properties across 45 states. Loans from $50K to $3MM+. We can also provide equity on a case-by-case basis.
Bridge Loans
🔨 Fix & Flip
Purchase, renovate & sell/rent
Rates from 8.25%*
|
Loan Amount |
$50K – $3MM + |
|
Term |
12 months (18-mo option) |
|
Max LTC |
Up to 90% |
|
Rehab Financing |
Up to 100% of budget |
|
Max ARLTV |
Up to 75% |
|
Recourse |
Full recourse |
|
Experience |
None required |
|
Borrower |
Entity required |
|
Property Types |
SFR, 2–4 unit +, Townhomes, Condos |
🏠 Stabilized Bridge
Rent-ready, no renovations planned
Rates from 8.25%*
No DSCR — For-Sale Exit
|
Loan Amount |
$50K – $3MM + |
|
Term |
12 months |
|
Max LTC |
85% of purchase + capex |
|
Max LTV |
70% |
|
Min FICO |
660 |
|
Property Condition |
C2 or better |
DSCR Exit — Rental Stabilization
|
Max LTC |
85% of purchase + capex |
|
Max LTV |
70% |
|
Min DSCR at Exit |
1.10x |
|
Property Condition |
C4 or better |
🏗️ Ground Up Construction
New 1–4 unit residential builds
Rates from 8.99%*
Standard (1–2 prior projects)
|
Loan Amount |
$50K – $3MM + |
|
Term |
12 months (up to 18) |
|
Max LTC |
75% land + 100% construction (max 85% TPC) |
|
Max LTV (ARV) |
70% |
|
Properties/Loan |
1–2 |
Experienced Developer (3+ projects)
|
Max LTC |
Up to 90% of total project costs |
|
Term |
12–24 months |
|
Properties/Loan |
Up to 10 |
Term Loans — Rental
🏡 Single Property Rental
Purchase or refi of 1–4 unit rentals
Rates from 5.39%*
|
Loan Amount |
$75K – $2MM + |
|
Term |
30 years |
|
Max LTV (Purchase/R&T) |
Up to 80% |
|
Max LTV (Cash-Out) |
Up to 75% |
|
Min DSCR |
1.05x |
|
Min FICO |
660 |
|
Loan Purpose |
Purchase, rate-term refi, cash-out |
|
Amortization |
Fully amortizing or partial I/O |
|
Rate Types |
Fixed & adjustable options |
|
Experience |
None required |
|
Borrower |
Entity required |
|
Property Types |
SFR, 2–4 unit, Townhomes, Condos, PUD |
|
Seasoning |
90 days to use value vs. cost basis |
🏘️Rental Portfolio
Blanket loan across multiple 1–4 unit rentals
Rates from 5.24%*
|
Max Loan Amount |
$2MM + |
|
Min Property Value |
$72K per property |
|
Max LTV (Purchase/R&T) |
Up to 80% |
|
Max LTV (Cash-Out) |
Up to 75% |
|
Min DSCR |
1.05x |
|
Min FICO |
680 |
|
Loan Purpose |
Purchase, rate-term refi, cash-out |
|
Amortization |
Fully amortizing or partial I/O |
|
Rate Types |
Fixed & adjustable options |
|
Min Occupancy |
90% by unit count |
|
Borrower |
Entity required (pledge of equity) |
|
Property Types |
SFR, 2–4 unit, Townhomes, Condos, PUD |
|
Seasoning |
90 days to use value vs. cost basis |
Lending in 45 states | Equal Housing Lender
*Rates advertised are the lowest offered. Actual rates and terms may vary based on approval criteria including borrower FICO score, prior experience, LTV, and property type. Not available in ND, OR, SD, UT, or VT. All loans are for non-owner-occupied investment properties only. Entity borrowers required
We also provide a variety of other capital solutions:
Asset-Based Lending
Cash Flow Term Loans
M&A Financing
Private Equity – Control & Minority Positions
Private Equity Capital
Private Equity firms are a wealth creation vehicle that focuses on improving and growing equity value for all stakeholders, and as such, those working at their portfolio companies will have the extraordinary opportunity to work with some of the greatest value-creation firms in the world.
Transparency. Dedication. Results.
At EdgeWork Capital, our strength lies in the integrity and commitment of our team. We will always put the interests of our clients ahead of our own, ensuring successful business relationships and opportunities for the future.
Made up of professionals with diverse backgrounds and skill sets, our dedicated experts will provide you with the resources and experience you need.