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RevitaLending - Hard Money and Probate Lender in DC, MD, VA
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Home/Bridge Loans
Bridge Loans

Bridge loans that close on your deadline, not the bank's.

Short-term, interest-only financing from $50,000 to $2M for investors buying, refinancing or pulling equity from property in DC, Maryland and Virginia. Rates from 10.49% to 12.99%, no minimum FICO, no tax returns and no full appraisal. As a balance-sheet lender, we fund every loan with our own capital.

Apply for a Bridge Loan CALL (202) 595-5472
$50K–$2MLoan size
10.49–12.99%Rates
24 hrsWritten approval
3 daysFastest closing
Ways To Use It

Purchase, refinance or cash out

Every bridge loan is sized on the property and how you plan to pay it off.

Purchase Bridge

Close on a deadline
$50K – $2M6 – 12 moUp to 80% of purchase

Auctions, estate sales, expiring contracts and sellers who want a cash-like close. Buy now, then sell or refinance on your schedule.

  • Interest-only monthly payments
  • Competes with cash offers
  • Extensions on performing loans
Apply for a purchase bridge

Refinance & Cash-Out

Put your equity to work
$50K – $2M6 – 12 moUp to 60–65% LTV

Pay off a maturing loan, a partner or a tax lien, or pull equity from a property you own to fund the next acquisition.

  • Business-purpose cash-out with a clear exit
  • No tax returns or DTI test
  • Recapitalize a stalled project
Apply for a refinance bridge

Commercial & Mixed-Use

Small-balance bridge under $2M
$50K – $2M6 – 12 moUp to 80% of purchase

Small multifamily, mixed-use, retail, office and self-storage, including transitional properties with vacancy that banks pass on.

  • Lease-up scenarios considered
  • Bridge loan or preferred equity
  • First lien, flexible prepayment
Apply for a commercial bridge
Key Terms

Bridge loan terms at a glance

Loan amount
$50,000 – $2,000,000
Rates
10.49% – 12.99%, subject to underwriting
Leverage
Up to 80% of the purchase price on acquisitions (no repairs). Up to 60–65% of value on a cash-out refinance with a clear exit. Need rehab money too? See our fix & flip loans. Subject to underwriting
Terms
6–12 months, interest-only
Valuation
In-house valuation or broker price opinion (BPO). No full appraisal
Credit and income
No minimum FICO. No tax returns and no debt-to-income ratio
Approval
Written approval within 24 hours
Closing
Clean files close in as little as 3 business days
Property types
1–4 unit residential, small multifamily, mixed-use, retail, office and self-storage
Capital source
Balance-sheet lender: decisions and funding come from our own capital
Borrowers
Individuals, LLCs and corporations on non-owner-occupied investment property

Rates, terms, leverage and programs are representative, subject to underwriting, and subject to change and to borrower qualification. Business-purpose loans on non-owner-occupied property only. This is not a commitment to lend.

Where Bridge Loans Win

Common bridge scenarios in the DMV

Estate and probate sales

Inherited properties in DC and the Maryland and Virginia suburbs often sell as-is, on a short clock, to the buyer who can close. A bridge loan gives you that certainty. Heirs who need financing themselves can see our probate loans.

Occupied buildings in the District

Buying a tenant-occupied building in DC can trigger the Tenant Opportunity to Purchase Act, which adds weeks to a sale. We plan the term around that timeline instead of pretending it isn't there. Hard money loans in DC

Bridge to a 30-year rental loan

Buy or renovate on a bridge loan, lease it up, then refinance into our DSCR rental loan. Because both loans run through us, the takeout is planned before the bridge funds.

Bridge plus renovation

If the property needs work, our fix & flip and new construction loans add a rehab or construction budget released in draws as the work gets done.

Lending in Washington, DC, Maryland (Prince George's, Montgomery, Charles, Anne Arundel and Baltimore counties) and Virginia (City of Alexandria, Arlington County, City of Fairfax, Fairfax County, City of Falls Church, Fauquier County, Frederick County, City of Fredericksburg, Loudoun County, City of Manassas, City of Manassas Park, Prince William County and Stafford County). Background reading: how commercial bridge loans work.

FAQ

Bridge loan questions

What is a bridge loan in real estate?
A bridge loan is short-term, interest-only financing that lets you buy or refinance a property quickly and pay it off later with a sale or long-term loan. Investors use it to beat a contract deadline, win at auction, or free up equity before the next deal.
What are your bridge loan rates?
Bridge loans, including commercial bridge, generally price from 10.49% to 12.99%, subject to underwriting. Pricing depends on leverage, property type, condition and your exit. Points are quoted per deal on the written term sheet.
How fast can you close a bridge loan?
We issue written approvals within 24 hours, and clean files can close in as little as 3 business days. Title, insurance and access to the property for our valuation are what usually set the pace, and we tell you on day one which one is the bottleneck.
How much can I borrow on a bridge loan?
From $50,000 to $2M. On a purchase, up to 80% of the purchase price (no repairs). On a cash-out refinance, up to 60–65% of the property's value with a clear exit. Terms run 6 to 12 months. If you also need renovation money, our fix & flip loan funds purchase and rehab together. All subject to underwriting.
Do you need tax returns or a minimum credit score?
No. There is no minimum FICO, no tax returns and no debt-to-income ratio. We underwrite the property and the exit. Credit is still reviewed and every loan is subject to approval.
Do you need a full appraisal?
No. We value the property in-house or with a broker price opinion (BPO), which avoids the usual multi-week appraisal wait.
Do you make commercial bridge loans?
Yes. We lend on small multifamily, mixed-use, retail, office and self-storage properties up to $2M, including transitional properties with vacancy or lease-up that banks often pass on.
Where do you make bridge loans?
We lend in Washington DC; Prince George's, Montgomery, Charles, Anne Arundel and Baltimore counties in Maryland; and the City of Alexandria, Arlington County, the City of Fairfax, Fairfax County, the City of Falls Church, Fauquier County, Frederick County, the City of Fredericksburg, Loudoun County, the City of Manassas, the City of Manassas Park, Prince William County and Stafford County in Virginia. Other areas are considered case-by-case.

Need to close fast?

One page, about three minutes. Written terms within 24 hours.

Apply for a Bridge Loan (202) 595-5472
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