Month: July 2026

Both are short-term and asset-based. Bridge is generally better priced; hard money buys maximum speed and takes on rougher properties. Here is how to choose.

A bridge loan is short-term financing that carries a property until a refinance or sale takes over. Used when a deal cannot wait or a property is not yet stable.

Rate-and-term is often available right away; cash-out usually needs a seasoning period of a few months before using the new appraised value. The BRRRR timing question.

Yes — a DSCR refinance qualifies on the property rent versus the new payment, so no tax returns, W-2s, or personal income are required. Works for cash-out too.

Two ways to refinance an investment property: rate-and-term (better terms, no cash) or cash-out (a larger loan that returns equity). Here is how each is underwritten.

Yes — refinance an apartment building and pull equity out, qualifying on the building income. How much depends on the LTV cap and the building DSCR.