Bridge & Jumbo Loan Program
In real estate, timing is everything. That’s why REI Private Money Lending offers a streamlined Bridge & Jumbo Loan Program—designed for investors who need capital quickly, flexibly, and strategically. Whether you're acquiring distressed properties, repositioning assets, or seizing time-sensitive opportunities, our lending model is built to support smart, results-driven decisions.
What Is a Bridge Loan—and Why It Matters to Investors
A bridge loan is short-term financing used to “bridge the gap” between the purchase of a new property and the sale or refinancing of an existing one. These loans are particularly useful for:
- Fix-and-flip projects that require upfront cash before a resale or refinance
- Auction purchases or distressed asset acquisitions with limited financing windows
- Delayed closings on property sales, requiring capital for the next move
At REI Private Money Lending, our bridge loans are backed by speed, data, and transparency, making them an essential tool in an investor’s playbook—not just a stopgap solution.
What Makes REI Different?
We go far beyond transactional lending. Here’s what sets REI Private Money Lending apart:
- AI-Driven Risk Analysis: Our proprietary underwriting engine uses predictive analytics to assess deal strength, not just FICO scores.
- Real-Time Valuation Models: We leverage live MLS and market data to provide rapid, reliable property value estimates.
- Tailored Structuring: Every loan is built around your investment strategy—fix-and-flip, BRRRR, or new development.
- Speed with Purpose: Fund in as little as 7 days, backed by direct decision-makers and no third-party delays.
- Sustainability Option: Ask about our Green Property Upgrade Incentives for eco-friendly rehabs and energy-efficient builds.
Use Bridge Financing Strategically
We go far beyond transactional lending. Here’s what sets REI Private Money Lending apart:
- AI-Driven Risk Analysis: Our proprietary underwriting engine uses predictive analytics to assess deal strength, not just FICO scores.
- Real-Time Valuation Models: We leverage live MLS and market data to provide rapid, reliable property value estimates.
- Tailored Structuring: Every loan is built around your investment strategy—fix-and-flip, BRRRR, or new development.
- Speed with Purpose: Fund in as little as 7 days, backed by direct decision-makers and no third-party delays.
- Sustainability Option: Ask about our Green Property Upgrade Incentives for eco-friendly rehabs and energy-efficient builds.
Use Bridge Financing Strategically
Bridge loans are not one-size-fits-all. We help you apply them where they add value, not risk.
Ideal Use Case
Fast closings in hot markets |
Rehab projects with defined timelines |
Equity-based deals with delayed liquidity |
Red Flags to Watch
No clear exit or resale plan |
Weak contractor pipeline or budget overruns |
Volatile local comps or zoning uncertainty |
Our advisory team partners with you on deal feasibility, not just loan terms.
Updated Loan Guidelines (2025)
Feature |
Loan Type |
Max LTV (“As Is”) |
Max LTC |
Max ARV (“As Repaired”) |
Loan Terms |
Minimum FICO |
Loan Size |
Eligible Properties |
States Covered |
Special Add-Ons |
Updated Loan Guidelines (2025)
Parameters |
Bridge / Jumbo |
Up to 90% |
90% |
Up to 75% (case-by-case) |
6 to 12 months |
620 (or alternative credit profile with strong collateral) |
$50,000 – $2,000,000 |
1–4 units, mixed-use, multifamily, light commercial |
38 U.S. states (exclusions apply) |
Construction draws, interest reserves, green upgrade credits |
Investor Case Study
Investor: Marcus J., Multi-property investor, Atlanta, GA
Scenario: Found a probate duplex undervalued by 25%, needed cash in 8 days
Loan Terms: 88% LTV, 10-month term, rehab budget included
Result: Property flipped in 5.5 months, 27% ROI, reinvested profits into two additional properties using REI’s repeat borrower incentives.
We Lend In These States
ABL currently lends in
ABL currently lends in
Transparent, Responsible Lending
While bridge loans provide agility, they come with short timelines and higher interest rates. At REI Private Money Lending, we conduct a suitability assessment with every borrower to ensure the loan structure matches your:
- Exit strategy
- Market conditions
- Risk tolerance
We value long-term relationships over short-term wins.
Let’s build your next win. Submit your details securely to be matched with a real estate lending advisor in your region.
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Or speak directly with an REI Lending Expert: (800) 747-1104
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