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Bridge Loans for California Investors

For a finished California property that’s listed for sale or leasing up. Pay off a rehab loan that’s coming due, or buy a finished home quickly.

Anatoliy KanevskyAnatoliy KanevskyFounder · NMLS #2775380
Request a CallCall 310-654-1577

Bridge loan terms

Loan vs. as-is value
Up to 70%
Loan vs. your cost
Up to 90% homes bought in the last 6 months
Loan amount
$50K – $3M
Term
12 months, interest only extension up to 6 months for a fee
Cash-flow test
None on renovated homes
Prepayment penalty
None
Credit score
From 660 680 for newer investors

What is an investor bridge loan?

An investor bridge loan is a short-term, interest-only loan on a finished or nearly finished investment property that is listed for sale or being leased up but is not yet ready for long-term financing. It pays off a maturing rehab or construction loan, or buys a stabilized property quickly, and is repaid when the property sells or is refinanced.

Two kinds of bridge loan, by property condition
RenovatedNot fully updated
Typical useFinished flip or new build that is listed for sale or for rentLivable property with no deferred maintenance, leasing up before a long-term loan
Cash-flow testNone1.10 DSCR at exit
ExperienceNot required (680+ credit)At least one completed project in the last 3 years

How much can I borrow on a bridge loan?

Up to 70% of the appraised value. For a property you bought in the last six months, the loan is also sized on your total cost: up to 80% for newer investors and up to 90% for experienced investors on renovated homes.

What you will need

  • An LLC or corporation as the borrower; owners sign a personal guarantee
  • The listing or leases, plus the purchase settlement statement and renovation receipts
  • Payoff statement for any existing loan
  • Entity documents: articles, EIN letter, operating agreement and certificate of good standing

What happens after you send a deal

Same person from the first call to the payoff.

  1. We look at the numbersAddress, price, budget, what it will sell or rent for, and your track record. By form or by phone. No application and no credit check yet.
  2. You get a straight answerWhich program fits and roughly how much leverage to expect, before you pay for an appraisal. If the deal doesn’t work, we say so.
  3. Written termsCredit is checked with a soft pull that doesn’t touch your score. Then we order the appraisal and line up title, insurance and your entity documents.
  4. Close in your LLCPayments, extensions and the payoff are handled online in the borrower portal.
Anatoliy Kanevsky, founder of West Coast Capital Mortgage

Send me the property first

Send me the address, what you have into it, the list price or the rent, and the payoff on the current loan. I’ll tell you what the property supports and what it takes to close.

Anatoliy Kanevsky, founder · NMLS #2775380 · CA DRE #01385024 Direct line 310-686-5053 · Burbank office

Questions about bridge loans

When does a bridge loan make sense?
When a finished flip or new build is listed but not sold, a rehab loan is coming due, or a rental is leasing up before its long-term loan.
Can a bridge loan pay off my current hard money loan?
Yes, when the project is finished.
How is the loan sized for a property that is listed for sale?
On the lower of the list price and the appraised value, or on your cost if you bought it in the last six months.
Is a DSCR required?
Not for renovated homes. Other properties need a 1.10 DSCR.
Do I need experience?
Not for renovated homes.
What credit score do I need?
From 660, or 680 for newer investors.
What happens after the bridge loan?
Sell the property, or refinance into a long-term DSCR or portfolio loan once it is rented. There is no prepayment penalty.
Do I need an LLC or corporation?
Yes, the loan closes in your LLC or corporation. No entity yet? Set one up before closing.
How fast can you close?
As fast as the appraisal and title allow. We order both right after the pre-screen.
Which states do you lend in?
California, Florida and Texas. For investment property in other states, see West Coast Capital Investment, our investor-lending site, where you can check availability for your property. Terms can vary by market, and we confirm what applies to your property on the first call.

Not quite this deal?

Need to bridge a finished property?

Send the address, your cost, the list price or rent and the payoff. You’ll hear how much the property supports and what it takes to close.

Tell Me Your ScenarioCall 310-654-1577

Anatoliy KanevskyAnatoliy Kanevsky reviews investor deals himself. Direct line 310-686-5053

Business-purpose loans only. The programs on this page finance non-owner-occupied investment property purchased or refinanced by an LLC or corporation. They are not available for personal, family or household purposes or for a home you live in. Owners typically sign a personal guarantee. Loans are made or arranged by West Coast Capital Mortgage (NMLS #2817729, CA DRE Corporation License #02440065) and funded by our private lender. Figures are program maximums under current program guidelines as of November 5, 2026. Actual leverage, loan amount, rate, term and eligibility depend on experience, credit, liquidity, the property, the market and underwriting. Some markets receive lower leverage or are not eligible, and programs change without notice. Nothing on this page is an offer of credit, a rate quote or a commitment to lend.