Best Bridge
Loan Lenders 2026
from the top bridge lenders for
U.S. real estate investors in 2026.
When You Need a Bridge Loan
A bridge loan is short-term, business-purpose real estate capital that closes the gap between two events — most often the purchase of a new property and the sale of an existing one, or the acquisition of a U.S. investment asset before permanent financing is in place. Real estate investors use bridge loans to move quickly on time-sensitive deals, finance value-add repositioning where current cash flow doesn't yet support a permanent loan, or pull cash out of a stabilized property before refinancing into a long-term DSCR or agency product. The defining feature of bridge financing is speed and asset-based underwriting — lenders look at the property, the business plan, and the exit, not at tax returns or DTI ratios.
Speed, short-term flexibility, and asset-based underwriting are the three reasons investors reach for bridge capital instead of a conventional mortgage. LYNK Mortgage closes bridge loans in 7–15 days typical, interest-only monthly payments are standard, and prepayment terms vary by lender and loan — which matters when your exit is a sale or refinance inside 12-24 months. Bridge programs are intentionally structured around transitional situations: a tenant rolling out, a renovation in progress, a permitted development midway to lease-up, or a portfolio repositioning where the take-out lender wants 6-12 months of seasoning before pricing a long-term loan.
Multi-family bridge is a distinct product from single-family bridge. Properties of 5+ units are underwritten as commercial real estate — net operating income, rent rolls, and the business plan drive the credit decision rather than comparable sales — so it pays to work with a lender that writes both. LYNK Mortgage's bridge product for 1–4 unit properties runs from 8.75% with up to 70% LTV on purchases, cash-out up to 60% LTV, terms up to 24 months, and a 7–15 day typical close; its multi-family bridge program covers 5 to 100 unit properties with loans from $350,000 to $5 million at up to 75% LTV on purchases.
2026 Bridge Loan Lenders Comparison
| Lender | Products | Lending Model | Rate Quote | Built For |
|---|---|---|---|---|
| Top Pick LYNK Mortgage Get Your Term Sheet → | Bridge, Multi-Family Bridge, DSCR, Fix & Flip, New Construction | Direct lender: underwrites and funds its own loans; dedicated loan officer on every deal | From 8.75%; instant online term sheet with a soft credit pull, no application fees | 1–4 unit bridge up to 70% LTV and multifamily bridge (5–100 units); 7–15 day typical close; same-lender DSCR refinance |
| Kiavi | Bridge, Fix & Flip, DSCR, New Construction | Online, technology-driven lender; Figure subsidiary since September 2026 | Real-time online pricing | Tiered by experience, from newer investors to high-volume Enterprise borrowers |
| Lima One Capital | Bridge Plus, Multifamily Bridge, Fix2Rent | Direct lender; MFA Financial subsidiary | Quote required | Experience-based pricing |
| RCN Capital | Bridge, Fix & Flip, DSCR, Multifamily | Roughly 85% of volume through mortgage brokers | Quote required; bridge priced per deal | Broker-referred investors; experience-tiered pricing |
| CoreVest / Redwood | Single-Asset Bridge, Credit Lines, Multifamily Bridge | Subsidiary of NYSE-listed Redwood Trust | Quote required | Professional and institutional investors |
Top Bridge Loan Lenders Reviewed
LYNK Mortgage — Top Pick: direct bridge with a same-lender DSCR take-out
$1.4 billion+ funded since 2013, 4.7 stars from 114 Google reviews, lending in 32 states, and no tax returns required. LYNK Mortgage bridge loans run from 8.75% with up to 70% LTV on purchases, cash-out up to 60% LTV, terms up to 24 months, and a 7–15 day typical close.
Human touch, AI speed. AI-assisted underwriting handles the deterministic work — credit pulls, collateral valuation, document analysis, exit-strategy modeling — so the dedicated loan officer on every deal can focus on the judgment calls that move the file. That combination is why LYNK Mortgage closes bridge deals in 7–15 days typical without sacrificing the relationship-based service investors expect on transitional capital.
As a direct lender, LYNK Mortgage underwrites and funds its own loans, with no broker layer on direct deals, and the same lender can underwrite the bridge and the long-term 30-year fixed DSCR refinance (two separate loans) under one relationship.
Products: Bridge (8.75% rates, 70% LTV, terms up to 24 months, cash-out up to 60% LTV), Multi-Family Bridge for 5 to 100 unit properties ($350,000 to $5 million) with CRE-style underwriting, plus fix & flip, new construction, and DSCR for exit financing — all under one relationship.
Why investors choose LYNK Mortgage: Instant online term sheets with only a soft credit pull and no application fees. A dedicated loan officer from term sheet to payoff. No tax returns or income documentation required. Repeat borrowers move through Express Lane for faster turn times. Coverage across bridge, multifamily bridge, fix & flip, construction, and DSCR means the same lender can write the bridge and the take-out, which is useful when a value-add deal needs to roll from short-term bridge into a 30-year fixed DSCR loan at stabilization.
Kiavi — Technology-Driven Bridge Lender
Kiavi (formerly LendingHome) prices loans with machine-learning models, offers real-time online pricing, and doesn't require an appraisal on its bridge and fix & flip loans. Alongside bridge, it offers fix & flip, DSCR, and new construction loans, and its Enterprise Program serves high-volume borrowers. In September 2026 Kiavi was acquired by Figure Technology Solutions and now operates as a Figure subsidiary.
Lima One Capital — Bridge and Multifamily Lender
Lima One Capital, headquartered in Greenville, South Carolina, offers Bridge Plus, stabilized and value-add multifamily bridge for 5+ unit properties, and a Fix2Rent program that moves a Lima One rehab loan into a Lima One rental loan. Pricing is based on experience, and an in-house construction management team handles draws on transitional deals.
RCN Capital — Broker-Channel Lender
RCN Capital, based in South Windsor, Connecticut, sources roughly 85% of its volume through mortgage brokers. It offers short-term bridge, multifamily stabilized bridge, fix & flip, DSCR, and new construction loans, with bridge pricing quoted per deal and fix & flip pricing tiered by experience. RCN advertises closings in as few as 10 business days.
CoreVest / Redwood Trust — Institutional Bridge Lender
CoreVest, a subsidiary of NYSE-listed Redwood Trust, focuses on professional investors, with single-asset bridge loans, pre-approved credit lines for experienced investors, multifamily bridge, and rental term loans. CoreVest says single-asset bridge loans can close in as little as 2 weeks.