Fix and Flip Bridge Loans
Short-term money on a finished single-family, duplex, triplex or fourplex: while it sells, or until it is ready for a 30-year rental loan. Up to 70% of the as-is value for up to 12 months, with no flipping experience required.
Size Your Bridge Loan
A bridge loan is sized on what the house is worth today, finished, not on a value after more work. If you bought it in the last six months, the lender also caps the loan at what you paid plus the work you can document, and you get the lower of the two.
Send the deal and a person checks it against the program terms, then replies by email with what the lender can do.
When a Bridge Loan Fits
Your flip is done and listed, but the flip loan is coming due. The bridge loan pays it off and gives the sale up to another 12 months.
You paid cash for a house and finished it. A bridge loan pulls most of that cash back out while you sell or line up a long-term loan.
You want to keep it as a rental, but it is not ready for a 30-year loan yet. It may need tenants, or more time owned before the lender will use its appraised value. The bridge loan carries it until a DSCR rental loan can take over.
Program Terms
These are the published terms of the 1-4 unit bridge program Janover Capital places these loans with, as of October 24, 2026. Rates, points and fees are quoted per loan.
| Use | A recently renovated or built property that is listed (or about to be) for sale, or will be rented but is not yet ready for a 30-year loan |
|---|---|
| Property types | Single family, 2-4 units, townhomes, PUDs, warrantable condos |
| Loan amount | $50,000 to $3,000,000 |
| Term | 12 months; 18 months case by case |
| Leverage | Up to 70% of as-is value. Owned under 6 months: up to 85% of purchase price plus documented completed improvements |
| Valuation | As-is appraisal only; no after-repair value |
| Minimum credit score | 660 |
| Experience | None required |
| Purchases and refinances | Both eligible |
| Foreign nationals | Eligible |
| Not eligible | Exotic or unique properties; rural is case by case. Nobody in your group can live in the property |
| Where | 47 states and Washington, DC. Not North Dakota, South Dakota or Vermont |
Two Exits, Two Standards
The lender asks how you plan to pay the loan off, and the answer changes what the house has to show.
Exit by sale: no rent or DSCR test. The appraiser has to rate the property C2 or better, which on the 1-to-6 condition scale appraisers use means essentially renovated, with little or no wear.
Exit to a rental loan: the rent has to cover the full payment at least 1.10 times, using the lower of the in-place rent and the appraiser's market rent, and the property has to rate C4 or better with no deferred maintenance.
To check the rental exit early, run the numbers through the rental DSCR calculator. The 30-year loan that follows needs 1.05x, so a house that clears the bridge loan's 1.10x has room to spare.
Bridge Loan or Fix and Flip Loan?
If the house still needs work, this is the wrong loan. A fix and flip loan lends against the after-repair value and pays the rehab budget out in draws, up to 90% of the price and 100% of the rehab. The bridge loan picks up where that one ends, once the work is finished. A portfolio of finished rentals can go on one rental portfolio loan instead.
For a bridge loan on an apartment building of five units or more, see multifamily bridge loans.
Check a Deal
Tell us about the house and roughly where your credit sits. A person checks it against the program terms and replies by email with what the lender can do, or why it does not fit.
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Get a quote on your deal.
Tell us about the house. A person checks it against the program terms and replies by email. No credit pull, no cost.
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