Residential Bridge Loans
Short-Term Financing for Long-Term Wealth
At Lantzman Lending, our Residential Bridge Loans are built for real estate investors who need capital—fast. Whether you’re acquiring a rental property, repositioning for long-term financing, or just need to bridge the gap between transactions, we’ve got your back.
Call 858.720.0229
We’re not just another lender—we’re private money experts who’ve been financing real estate investments for over 30 years.
Rates Starting at 8%
Up to 90% Loan to Cost
100% of Rehab Financed
Loan Terms from 6-24 months
Up to 75% of ARV
Loan Amount $50k up to $5M
Fast, Flexible bridge Financing for Real Estate Investors
Sometimes you don’t have time to wait nor does the property qualify for traditional financing… Or perhaps you don’t have your financials in order to get a permanent loan today and need to make a same as cash offer for a distressed real estate asset.
This is where a Residential Bridge loans come into play. These loans allow you to access capital quickly to close on time, stabilize the property and your financials, and bridge the gap to get to a sale or permanent financing. Experienced investors know that the Residential Bridge Loan has an important place in world of real estate investing.
What Are residential bridge loans?
A residential bridge loan is a short-term real estate loan designed to help real estate investors “bridge the gap” between buying and selling or refinancing a 1–4 unit residential investment property.
It’s perfect for investors looking to:
- Acquire stabilized or nearly stabilized properties
- Refinance existing debt (rate/term only)
- Transition into long-term DSCR or conventional financing
- Pull equity from a portfolio (no cash-out allowed on new borrowers)
Example:
You’re under contract to buy a duplex that’s currently vacant. A traditional lender won’t touch it because it’s not producing income yet. A bridge loan gives you the capital to buy the property, clean it up, lease it out—and once it’s stabilized, you refinance into a 30-year rental loan (like DSCR).
NEED A QUICK BRIDGE LOAN? CLICK BELOW!
The terms were fair, transparent, and not sketchy — which is rare in this space.
We’ve been working with a lot of lenders lately as we grow our real estate portfolio, and it’s usually an exhausting experience. Overpromising, underdelivering, bait-and-switch tactics, poor communication — you name it. To the point where we joke that “all lenders are liars.”
Lantzman Lending was the complete opposite. Professional, honest, efficient, and truly aligned with our success. That combination is incredibly hard to find.
If you’re an investor looking for a lender who actually does what they say they’re going to do, and does it well — Lantzman Lending is one of the very few I would confidently recommend.
I contacted Landzman. After a few hours they gave me the thumbs up that I could put in the offer. Deal done. Thanks Landzman
Why Choose Our residential bridge Loans?
Time is of the essence in real estate investments. Our streamlined process ensures:
- Same-day approvals once we receive the application and supporting documents: Quick decision-making to seize opportunities.
- Funding within 5–10 business days: Ensuring that you can make aggressive offers and close on time.
We offer flexible terms to suit diverse investment needs:
- Loan Amounts: Ranging from $100,000 to $5 million.
- Loan-to-Value (LTV): Up to 90% of the purchase price.
- After Repair Value (ARV): Financing up to 70% of ARV.
- Interest Rates: Starting at 8.99% to 11% for Fix & Flip loans, interest-only payments
- No Pre Payment Penalties or Minimum Interest
- Loan Terms: Typically 6 to 24 months, with extensions available
Our services span the entire state, including:
- Southern California: Los Angeles, San Diego, Orange County, Riverside.
- Central California: Fresno, Bakersfield, San Luis Obispo.
- Northern California: San Francisco Bay Area, Sacramento, San Jose.
We understand that each project is unique. Our loan programs cater to various scenarios:
- Property Types: Single-family homes, multi-family units, condos, townhouses.
- Project Types: Distressed properties, foreclosures, short sales, REOs.
- Borrower Profiles: First-time investors, seasoned flippers, LLCs, and corporations.
The Lantzman Bridge Loan Process
Step 1:
Contact us by phone or email
Provide details about the property, renovation plans, and your investment experience to get a quote the same day.
Step 2:
Loan Evaluation & Quote
Our team assesses the property's current value, ARV (after repair value, and your proposed budget to determine loan eligibility & we will send you a quote quickly.
Step 3:
Apply & get approved
Fill our easy application with limited information & provide a few documents that allows our team to quickly evaluate qualifications and get you a approved as fast as 24 hours.
Step 4:
We Get your loan close Quickly
Once your loan is approved, our team will reach out to escrow and get a settlement statement and prelim title report. We can have your loan documents out for signing as fast as we can gather those items.
FREQUENTLY ASKED QUESTIONS
We don’t have a minimum credit score. We take into account your overall scenario. Taking into account your scenario, experience, and credit to make a common sense decision. We understand the credit reporting systems sometimes don’t tell the whole story. Call or email us today so we can review your unique scenario.
No experience, no problem. If you have good credit and some reserves to the the project to the finish line, then we can help you fund your first fix flip. We also consider construction, real estate, and homeownership experience when evaluating your loan. This allows us to lend to new investors with the right borrower profile.
We can close as fast and escrow and title can get us a prelim title report and estimated settlement statement. We are a direct lender and we have funds available. We don’t look for individual investors for each loan as funds are needed. This means we are there for you when you find the right deal and we can close quickly to help you make aggressive offers.
We conduct an in house valuation that involves gathering a photos and a scope of work for renovations that can be completed quickly. Often times we can complete our valuation process in 24 hours or less once we have your application and supporting documents.
Yes, yes, and yes. We allow creative financing options that include all of these options. Call or email us to discuss your unique scenario.
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Partner with Us for Your Next Investment
Our commitment is to support your real estate ventures with financing solutions that are fast, flexible, and tailored to your needs. With extensive experience in the California market, we are your trusted partner in achieving investment success.
