Short-term capital for fix-and-flip, value-add, and quick closings across Columbus, Cleveland, Cincinnati, and all of Ohio. Close in as few as 7 days with up to 90% loan-to-cost.
A bridge loan is short-term financing (typically 12-24 months) designed for Ohio real estate investors who need capital fast. Whether you’re flipping a house in Franklinton, stabilizing a value-add duplex in Linden, or closing on an off-market deal in Columbus before another buyer snatches it, bridge loans provide the speed and flexibility that conventional financing can’t match.
Bridge loans are interest-only, meaning your monthly payments are lower during the rehab period. Once the property is stabilized, you either sell (flip) or refinance into a long-term DSCR loan — this is the foundation of the BRRRR strategy.
The terms are often used interchangeably, but there are real differences that matter for Ohio investors:
| Feature | Bridge Loan | Hard Money |
|---|---|---|
| Rate Range | 9-12% | 12-15% |
| Term | 12-24 months | 6-12 months |
| Max LTV/LTC | Up to 90% LTC | 65-75% LTV |
| Origination | 1-2 points | 2-4 points |
| Close Speed | 7-14 days | 3-10 days |
| Best For | Rehab + refinance | Ultra-fast close |
For most Columbus investors doing fix-and-flip or BRRRR deals, a bridge loan offers better terms than traditional hard money. Hard money makes sense when you need to close in under a week or have a credit-challenged scenario.
One of Columbus’s hottest gentrification corridors. Distressed SFRs available in the $130-180K range with ARVs of $220-280K after renovation. Strong flip margins and growing rental demand from Franklinton Arts District revitalization.
Affordable entry points ($80-150K) with strong rental demand. The Joyce Avenue corridor is seeing increased investment. Bridge loans work well here for value-add duplex and fourplex conversions.
Higher price points ($250-400K) but strong ARV appreciation. Clintonville’s walkability and school district make stabilized rentals easy to refinance into DSCR with excellent ratios.
Highest cap rates in Columbus. Entry points under $100K for SFRs with rents of $900-1,100. Bridge-to-DSCR works exceptionally well here for investors focused on cash flow over appreciation.
The most common exit strategy for Ohio bridge loan investors is refinancing into a DSCR loan once the property is stabilized. This is the core of the BRRRR strategy:
I handle both legs of this transaction — bridge and DSCR — so there’s one point of contact through the entire process.
Bridge loans can close in as few as 7-14 days. Speed depends on the lender, appraisal requirements, and title work. Some lenders offer same-week closings for experienced borrowers.
Bridge loans typically have lower rates (9-12% vs 12-15%), longer terms (12-24 months vs 6-12), and higher LTV. Both are short-term, asset-based loans for investment properties.
Most lenders offer up to 90% LTC (loan-to-cost) and 75% ARV (after-repair value). Some programs fund up to 100% of rehab costs through a draw schedule.
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