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Bridge Loan Lenders
in Los Angeles

RTI Bridge Loans is a direct hard money and bridge loan lender in Los Angeles specializing in funding bridge loans to help you secure residential and commercial real estate in Los Angeles. With almost 20 years of private lending experience, we can perfectly tailor loan programs to your needs and get you the funding you need fast! Call us today at (562) 857-2285 to see how we can help with your bridge loan financing needs!

Real Estate Bridge Loan Lenders for Los Angeles

Bridge Loans are an asset-based short-term loan with short-term plans that provide faster financing in Los Angeles. These loans can serve various purposes, such as filling the financial gap between inadequate funds and business expenses or facilitating the purchase of a new home while selling your current home.

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RTI Bridge Loans Los Angeles

Bridge Loan Program

Commercial Lending Specifications

PRODUCT DESCRIPTION
Loan Term 1-2 Years
Loan Amount $250,000 to 20,0000,000
Lending Area California | Nevada | Colorado
Trust Deeds 1st & 2nd TD's
Loan-to-Value Up to 75%
Interest Rate Starting at 8.75%
Origination Fee 1 to 3 Points
Prepayment Penalty Not Required
Closing Time 7 to 15 Days
Interest Reserve No Payments for 6 Months
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LENDING SCENARIOS Time Sensitive Transactions
  • 1031 Exchanges
  • Expiring Purchase Contracts
  • Balloon Payments
  • Partnership Buyouts
Distressed Scenarios
  • Bankruptcy Restructurings
  • Foreclosure Loans
  • Discounted Payoff
  • Agreements
Value Add
  • Renovation Loans
  • Tenant Improvements
Cash Out
  • All Cash Dispersed at Closing
  • No Fund Control
COLLATERAL
  • Multifamily | Office | Retail
  • Mixed Use | Luxury Residential

Table of Contents

$5,400,000 | 1st TD & 2nd TD Loan | Long Beach, CA
1st-td-and-2nd-td-bridge-loan-closed-in-long-beach

JUST CLOSED in Long Beach! This was a multiple collateral 1st and 2nd TD loan at $5,400,000 needed for a

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$3,200,000 | 2nd TD Loan | Santa Clarita, CA
2nd-td-bridge-loan-closed-in-santa-clarita-ca

A developer was just completing and leasing up a large mixed use project in Santa Clarita. His construction loan had

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$412,500 | 1st TD Bridge Loan | Valley Center, CA
rti-bridge-loans-for-property

$412,500 1st TD Bridge Loan Closed in Valley Center CA! Borrower needed fast capital to close on a below market

View Deal

Types of Real Estate Bridge Loans

RTI Bridge Loans serve as an interim financing option for individuals and entities looking to bridge the gap between their immediate financing requirements with long-term funding plans. RTI Bridge Loans offers a variety of bridge loans tailored to different real estate ventures. Here’s a look at some of the types we provide:

Residential Bridge Loans

Residential bridge loans serve homeowners transitioning between selling their current home and purchasing a new one. RTI Bridge Loans, a leading name among Los Angeles bridge loan lenders, offers flexible financing solutions to bridge this gap. These loans are invaluable for buyers in competitive markets, ensuring they don't miss out on their dream home due to timing issues.

Multifamily Bridge Loans

Our multifamily bridge loans are designed for investors looking to purchase or refinance multifamily properties. Whether you're eyeing a small residential complex or a large apartment community, these loans can provide the quick financing you need to move forward with your investment.

Bridge Loans for Apartment Buildings

Specifically catering to the needs of apartment building investors, these bridge loans offer flexible terms and fast funding to facilitate acquisitions, refinancing, or capital improvements. Ideal for properties in transition or those requiring stabilization before securing permanent financing.

Commercial Bridge Loans

For investors in commercial real estate, including office buildings, retail spaces, and industrial properties, our commercial bridge loans offer competitive bridge loan rates and terms. These loans are perfect for covering immediate costs while awaiting long-term financing or the sale of the property.

Bridge loan financing provides short-term funding while you’re securing a long-term loan or waiting to remove an existing debt obligation. You can use a bridge loan for various purposes, including:
  • You want to buy a new house before selling your old one
  • Covering business expenses as you await long-term financing
  • Securing the funds needed to acquire real estate quickly
  • Investing in a fix-and-flip project
  • Performing home renovations
  • Down payments on a new property
  • Transitioning between mortgages
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The Cost Of Bridge Loans: Average Fees And Bridge Loan Rates

Los Angeles bridge loan interest rates typically range between 8% and 12%, depending on attributes like asset, location, and loan terms. Bridge loans require closing costs and fees, including administration fees, appraisal fees, escrow, a title policy, and notary services. You’ll also pay a loan origination fee based on your borrowing amount. Contact RTI Bridge Loans for detailed information about interest rates and fees in Los Angeles.

Benefits of Bridge Loans

RTI Bridge Loans can offer several advantages for bridge loan borrowers in Los Angeles. Some of the pros of bridge loans include:

Faster application, underwriting, and funding process compared to traditional loans for quicker turnaround for borrowers

Bridge loans are backed solely by property value

Bridge loans offer payment flexibility. You can defer payments or make them interest-only until your old home sells

To capitalize on the many benefits of bridge loans, contact us today at (562) 857-2285!

Do you have any queries? We are available to answer all your questions. Contact us today!

Pros and Cons of Bridge Loans

Bridge loans provide immediate financing solutions but come with their own set of advantages and disadvantages:

  • Speed: Bridge loans can be secured much faster than traditional loans, making them ideal for time-sensitive investments.
  • Flexibility: Terms can often be tailored to meet specific needs, providing a custom fit for your financing requirements.
  • Alternative When Denied by Banks: For individuals who do not meet the requirements for traditional financing due to strict lending criteria or having reached borrowing limits with banks, bridge loans present a viable alternative. They offer a route to secure necessary funds, especially in scenarios where timing and swift action are crucial for real estate transactions.
  • Opportunity: Allows investors to seize opportunities quickly without the delay of arranging long-term financing.
  • Flexibility in Property Transition: Bridge loans allow homeowners and investors to proceed with the acquisition of a new property before selling their existing one, ensuring they don’t miss out on potential opportunities.
  • Higher Costs: Interest rates and fees for bridge loans are typically higher than those of traditional loans.
  • Short Term: Designed to be short-term, these loans require quick repayment, which can be a risk if the exit strategy fails.
  • Collateral: Usually secured against property, which can be risky if the property’s value decreases or if the loan cannot be repaid on time.

Our Lending Process

Investors can’t afford to work with Los Angeles hard money lenders who are slow or fail to close. Our simple and fast bridging finance process at RTI Bridge Loans can help you secure your real estate investment:

Prequalification

We assess your borrowing capacity to ensure you align with our eligibility criteria.

Loan Application

You complete a formal application with detailed financial information.

Document Collection

We gather and validate all necessary information.

Loan Approval

Upon approval, you’ll receive an official approval letter outlining loan terms.

Loan Disbursement

We disburse your loan funds within 3-5 business days.

Ready to get started? Contact us at (562) 857-2285 or apply online today!

Bridge Loan Requirements

To qualify for a bridge loan from RTI Bridge Loans, borrowers must meet certain criteria, which may include but are not limited to:

  • Creditworthiness: A good credit history and credit score can be crucial, although specific requirements can vary.
  • Equity: Significant equity in the property being used as collateral.
  • Exit Strategy: A clear and plausible plan for repaying the loan, either through the sale of the property or through refinancing.

Most bridge loan lenders in Los Angeles require you to demonstrate financial stability with proof of income, a good credit score, sufficient existing equity in your current house, and a clear exit strategy for repaying the loan. At RTI Bridge Loans, our focus is the property securing our loan, not the borrower’s credit or cash flow. Contact us to learn more.

Loan to Value Ratios (LTV) and Loan Amounts for Bridge Loans

RTI Bridge Loans offers competitive LTV ratios and loan amounts, tailored to fit a wide range of financing needs:

  • LTV Ratios: Depending on the type of property and the specifics of the deal, LTV ratios for our bridge loans can vary. Typically, lenders will allow LTV up to 70-75%. These ratios are more conservative than those for traditional mortgages to mitigate risk.
  • Loan Amounts: Our bridge loan amounts are designed to accommodate the diverse needs of real estate investors, from smaller investments in residential properties to significant commercial real estate ventures.

For specific terms and more detailed information about our bridge loans, contact our team at RTI Bridge Loans directly. As leading Los Angeles bridge loan lenders, we are committed to providing you competitive rates and flexible terms to help you achieve your real estate investment goals.

Why Choose RTI Bridge Loans as your Bridging Finance Lender?

What makes RTI Bridge Loans a better choice than other Los Angeles bridge loan lenders? With our experience and expertise in the industry, RTI Bridge Loans is ideally placed to help secure an excellent bridging facility for you. We offer our members competitive rates, flexible repayment terms, and low fees, and we can also explore other types of funding that may be more appropriate or provide better value for your circumstances.

Fund Your Next Real Estate Venture
with RTI Bridge Loans

Established in 2004, RTI Bridge Loans is a leading bridge loan lender to real estate owners, investors, and developers throughout Los Angeles. We are committed to providing funding solutions that give you an edge over your competition and contribute to your personal success. No matter what type of real estate you are investing in, RTI Bridge Loans has a loan to match!

Whether you’re eyeing a fix-and-flip project, a multifamily acquisition, or any other real estate endeavor, our team of bridge loan experts is committed to simplifying the lending process and delivering the funds you need swiftly. Don’t let financing hurdles hold you back; fund your next real estate venture with confidence, contact us at (562) 857-2285 for same-day pre-approval.

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Frequently Asked Questions

You can use our commercial bridge loans to fund the purchase of office buildings, retail space, industrial properties, multi-family housing, special-purpose properties, and fix-and-flip projects.
Bridge loans aren’t limited to real estate. You can use them for home renovations, business expenses, and debt consolidation.
Yes, getting real estate bridge loans with bad credit is possible as long as you can offer the lender adequate security and have a strong exit strategy for the loan repayment.

Get started now on making your
financial goals a reality.

RTI Bridge Loans Hard Money Loans
RTI Bridge Loans

RTI Bridge Loans, Inc. is primarily a Direct Portfolio Lender in Los Angeles County. We have 40 years of experience investing in all aspects of real estate: From residential development, private money lending, hard money and fix and flip loans.

DRE # 01125534 / 00793526

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