Residential Bridge Loans
Typical Terms
-
- Up to 75-80% loan-to-value
- 12% interest rate
- 2.0-2.5% origination fee ($3,500 minimum)
- $995 admin fee
- 6 to 12-month term with two 6-month extensions available
Process and Execution
-
- No junk fees
- No appraisals-internal valuations completed in 1-2 business days
- No third-party inspections
- No prepayment penalty
- Loan decisions as quick as 2 business days
- Extension fees: 0.50% if deferred or 0.40% if paid when extending
- Financing interest reserves may be available (subject to LTV/LTC)
Typical Terms
-
- Up to 75-80% loan-to-value
- 12% interest rate
- 2.0-2.5% origination fee ($3,500 minimum)
- $995 admin fee
- 6 to 12-month term with two 6-month extensions available
Process and Execution
-
- No junk fees
- No appraisals-internal valuations completed in 1-2 business days
- No third-party inspections
- No prepayment penalty
- Loan decisions as quick as 2 business days
- Extension fees: 0.50% if deferred or 0.40% if paid when extending
- Financing interest reserves may be available (subject to LTV/LTC)
Creative Investor Add-Ons
Equity Unlock Loan Program
Borrowers with multiple properties or significant real estate equity may be able to cross collateralize assets to reduce or eliminate cash required at closing, subject to underwriting, collateral quality, and overall risk profile.
Cash-Out Rental Loan Program
An additional holdback may be structured to reimburse some or all of the borrower’s cash invested once the rehab is complete, an appraisal is obtained, and the refinance lender has approved takeout financing. Loan fees apply only to funds when they are advanced. Commonly used for BRRRR strategies to bypass conventional seasoning requirements.
Land Division Loan Program
An additional holdback may be available to reimburse approved costs related to land divisions on improved residential property, subject to city or county approval. Often used in fix and flip or rental rehab projects where excess land can be divided to create added value and future development potential.
Residential Bridge Loan Underwriting at Cetan Funds
Our underwriting process for residential bridge loans is designed to be fast, practical, and focused on collateral, timing, and exit strategy.
-
-
- Borrower information, including background, experience, and track record
- Property details, including description, photos, and purchase contract
- Project details, including plans, budgets, timelines, and exit strategy
- Personal Financial Snapshot
- Real Estate Schedule, if applicable
- Three months of recent bank statements
- Credit check. Minimum 540 FICO. Waivers may be available
- Express underwriting available for up to 3–5 loans or 1.5 million for qualified borrowers
- No income verification required
-
Recently Funded Residential Bridge Projects
What is a Residential Bridge Loan?
Short-term bridge loans for residential real estate investors
A residential bridge loan is a short-term loan used to finance the acquisition or refinance of residential investment property when speed, timing, or property condition makes traditional financing impractical.
Residential bridge loans are commonly used by real estate investors, builders, and business owners who need to move quickly. These loans are often used to:
- Acquire a property quickly in a competitive market
- Refinance an existing property to access short-term capital
- Bridge a property to sale or permanent financing
At Cetan Funds, residential bridge loans are designed to move borrowers efficiently from one phase of a project to the next. If an investor needs to close quickly on a purchase, a residential bridge loan can be used to acquire the property and later refinance into permanent financing. If a borrower needs near-term liquidity, real estate can be leveraged to bridge that timing gap.
Cetan Funds exclusively provides short-term loans. While each residential bridge loan is structured based on the specific property and exit plan, our standard baseline terms are outlined above to provide transparency and clarity.
Do you want to benefit from the Cetan Advantage?
Private Residential Bridge Loans
Cetan Funds provides hard money loans for residential investment properties
Cetan Funds is a private lender providing residential bridge loans secured by investment property. All loan intake, underwriting, and funding decisions are handled in-house, allowing for a fast and efficient lending process.
By managing our own capital and servicing our own loans, we are able to remain flexible throughout the loan term and responsive as projects evolve. Borrowers work directly with their loan officer from start to finish, without handoffs to third parties or outside decision-makers.
Our team brings more than 60 years of combined experience in lending and real estate development. That experience informs how we evaluate collateral, timing, and exit strategies, and allows us to provide practical guidance throughout the loan process.
Are you looking for a residential bridge loan?
What is The Cetan Advantage?
We have long-term relationships and do repeat business with over half of our borrowers. Find out why.
Although we do not offer long-term loans, only short-term and hard money loans, many of our borrowers have worked with us on various projects over the years. We work with borrowers from all walks of life. Here we are focusing on residential investors, builders, and contractors.
Why do residential real estate builders, investors, and contractors work with us time and time again? They have discovered the Cetan Advantage. At Cetan Funds, we offer an advantage to all of our borrowers, including those seeking residential bridge loans. The Cetan Advantage is:
Partnership
Unlike big regional or national lenders or a company that trades loans on Wall Street, here at Cetan Funds we have a personal relationship with our borrowers. We collaborate with you to help your residential real estate project succeed. Our goal is to help you achieve your goals with your residential income property. When our borrowers win, we win. Let us help you make your next real estate investment or development project a smooth and profitable venture.
Flexibility
Cetan Funds underwrites, funds and holds all loans, including residential bridge loans, in-house. This allows us to be flexible and work with borrowers to ensure that loan terms and payment options make sense for a project. Once you get a residential property bridge loan from Cetan Funds, we don’t give you the money and say “good luck.” Instead, we manage the loan, stay in touch with you, and work with you if circumstances change during the term of the residential investment loan.
Efficiency
Borrowers seek a hard money residential bridge loan because they need cash quickly for a project or investment. At Cetan Funds, we keep everything in-house to provide fast valuations, rapid underwriting, and quick funding.
Expertise
We have worked in the real estate lending and development industry in Oregon for over 60 years combined, and we invite you to leverage our experience. If you run into a challenge during your residential real estate investment project, we are here to consult with.
Integrity
Our team is here to have your back every step of the way. We are transparent and will share any and all vital information with you so that you can be successful in your residential real estate project.
Whether you are seeking a residential real estate bridge loan or another real property-secured short-term loan, Cetan Funds has you covered. Get in touch with us and tell us about your project. We are excited to work with you.
CONTACT US
Start your inquiry by filling out our contact form or call us directly at (458) 215-3200.