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Free Transitional Bridge Loan Quote

Transitional Bridge Loan

Stop worrying about maturing loan deadlines or slow bank approvals. Our Transitional Bridge provides the fast, flexible capital you need to secure stabilized investment properties, bridge a financing gap, or hold an asset for sale.

80%

LTV

9.99%

Starting Rate

660

Minimum FICO

Program Highlights

  • Up to 80% LTV for Rate/Term Refinance or Purchase

  • Up to 75% LTV for Cash-Out Refinance

  • Loan Amounts from $100K to $5M

  • 12–24 Month Terms, Interest-Only

  • Points Starting at 1.0%

  • No Prepayment Penalties

  • 14-Day Closings

Why work with Uncapco Financial

Maturing Loan? Need More Time to Sell?

If your bridge loan is coming due but you’re still finishing renovations, waiting on a buyer, or holding out for a better rate — we can help you refinance and buy more time.

Renovating with Your Own Capital

‍Some investors prefer not to deal with rehab draws. If you’re funding renovations out-of-pocket, a bridge loan can still be a smart way to secure the property and manage your cash flow.

Waiting for Rates to Drop

Locking into long-term debt too soon can be costly. Our short-term bridge loans give you breathing room to wait for market improvements before refinancing into a rental loan.

Model Homes & Inventory Management

Builders use bridge loans to hold model homes or manage phased developments — giving them flexibility while properties are listed or construction is underway.

Frequently Asked Questions

What type of properties qualify for a bridge loan?

Investment properties that need time to sell, rent, stabilize, or transition into long-term DSCR financing.

Can I receive cash out on a bridge loan?

Yes, cash-out is available on a transition bridge loan. However, this program typically limits cash-out to 70% of the as-is value, compared to our DSCR program, which allows up to 80% of the as-is value.

Are there prepayment penalties?

No, there are no prepayment penalties, allowing flexibility to refinance or sell early. However there will be 6-months of minimum payments if you elect for a 2-year term, 1-year terms are available to waive any prepayment penalties.

What is the minimum credit score required?

A minimum FICO score of 620 is required. However, pricing is significantly more competitive if your score is 680 or higher. Additionally, a co-signer is allowed.

Does the property need to be rented out?

No, the property does not need to be rented out for a transition bridge loan. However, if you plan on keeping the loan for more than six months, it’s recommended to rent the property or use it as an Airbnb to generate income while you're transitioning the property.

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