Get up to 90% LTC for purchase + renovation with a Bridge Loan with Rehab. No income docs required. Nationwide investor financing from Convoy Home Loans. Pre-approve today.
A Bridge Loan with Rehab (also known as a Fix-and-Flip or Renovation Bridge Loan) is a short-term, interest-only loan designed to cover both the purchase of a property and the cost of its rehabilitation.
These loans are specifically for investors and focus on the project's after-repair value (ARV) rather than the borrower's personal income.
Program Highlights:
Property Type: 1-4 unit residential properties · Occupancy: Investor only · Lending Area: Nationwide · Minimum Loan Amount: $150,000+ · Loan-to-Cost (LTC): Up to 90% · Experience: Not required, but more experience unlocks higher leverage and better terms · Income Documentation: Not required
These loans provide fast funding so you can act quickly on opportunities and complete rehabs without tying up your own capital for long periods.
Finance both purchase and renovation costs with minimal cash out of pocket.
Qualification based on the property and your exit strategy, not personal tax returns.
Close in as little as 7-21 days.
Keep monthly costs low during the rehab period.
Finance projects anywhere in the United States.
Typically 6-18 months with extension options.
Funds are released in draws as renovation progresses.
Payments are typically 30-50% higher than a 30-year loan for the same loan amount.
Must refinance or sell within the loan term (usually 12 months).
Lenders want a clear plan (sell, refinance, or rent).
While not required, seasoned investors receive higher LTC and better pricing.
May include origination fees, draw fees, and extension fees.
This program is ideal for:
✓ Real estate investors doing fix-and-flip projects
✓ House flippers looking for fast acquisition + rehab capital
✓ Investors expanding into new markets nationwide
✓ Experienced rehabbers seeking up to 90% LTC
✓ Newer investors with solid projects and some skin in the game
✓ Those who want to avoid using personal income documentation
We analyze your finances and show you exactly what you qualify for.
Loan covers acquisition + renovation costs (up to 90% LTC).
Fast funding to secure the property.
Enjoy the same predictable payment while watching your equity grow rapidly.
Sell the property, refinance into a DSCR or long-term loan, or rent it out.
We coordinate with inspectors and lenders to make the draw process smooth and efficient.
Loan Type | Interest Rate | LTC/LTV | income docs required | Best For |
|---|---|---|---|---|
Bridge Loan + Rehab | 6-18 months | Up to 90% LTC | None | Fix & Flip / Renovations |
Investor X (DSCR) | 30 years | 75-80% LTV | None | Long-term rentals |
Short Term Rental | 30 years | 75-85% LTV | Minimal | Airbnb / Vacation Rentals |
Conventional Investment | 30 years | 75% LTV | Yes | Lower rate, stable holdings |
As a nationally licensed mortgage broker (NMLS #2130517) with offices in San Diego and El Segundo, we have strong relationships with top bridge and private lenders across the country. Our mission is to provide financing options that enhance your standard of living while treating you like family.
We understand real estate investing and deliver fast, reliable funding so you can seize opportunities before they disappear.
Ready to fund your next fix-and-flip or renovation project? Get pre-approved for a Bridge Loan with Rehab today - no obligation.
1-4 unit residential investment properties only.
No - these loans do not require personal income verification or tax returns.
Up to 90% LTC (loan-to-cost) for qualified projects and experienced borrowers.
Experience is not required, but it helps secure higher leverage and better terms.
Yes - we can finance bridge/rehab projects in all 50 states.
$150,000 and above.
Yes - many investors complete the rehab and then refinance into a DSCR or permanent loan.
Real Estate Investor Lending · NMLS #2130517 · Licensed Mortgage Broker
AZ · CA · CO · FL · GA · ID · MD · MI · MN · NC · NM · OH · OR · PA · TN · TX · VA · WA and more
This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.