Bridge Loans for California Real Estate Investors

A bridge loan is a short-term real estate loan providing financing for a defined period — typically 6 to 24 months — while the borrower arranges permanent financing, completes renovation, stabilizes a property, or executes a sale. Bridge loans are evaluated primarily on asset value and equity rather than conventional income documentation standards.

Bridge loans facilitated by Troy Mire can close in as few as 7 to 14 business days when the property has clear title, sufficient equity, and required documentation is ready. The speed of bridge financing is one of its primary advantages over conventional lending, which typically requires 30 to 45 days or longer.

Yes. Properties in non-lendable condition — due to deferred maintenance, incomplete renovation, or other issues — can often be financed through bridge loans. The loan is evaluated on the as-is value and the borrower's exit plan, not on whether the property meets conventional lending condition standards.

A conventional decline does not eliminate bridge financing as an option. Bridge loans are evaluated on the asset and equity, not on the same credit, income, or property condition requirements that caused the conventional decline. Troy Mire works with California investors whose conventional applications were declined when the underlying deal has sufficient equity and a clear exit strategy.

Bridge loans in California are typically structured at 60 to 70 percent loan-to-value based on the as-is or as-stabilized property value. The specific LTV depends on the property type, condition, location, and the borrower's exit strategy. Contact Troy Mire at 562-244-7963 to discuss terms for a specific situation.