Bridge Loans in Los Angeles, CA

Purchase bridge loans enable investors to acquire real estate before completing planned sales of other assets. Common scenarios include finding an exceptional investment opportunity before an existing property sale closes, purchasing a new primary residence before selling the current home, or timing tax-deferred exchanges where replacement property identification deadlines create pressure. Our purchase bridge loans close quickly, often within 5-7 days, allowing you to make competitive offers with short contingency periods or cash-equivalent terms. These loans are structured with interest-only payments and terms from 6-18 months, providing adequate time to complete planned sales or arrange permanent financing. lending partners underwrite purchase bridge loans primarily on the value of the acquisition property and your equity position, requiring minimal income documentation. This streamlined approach is particularly valuable for self-employed investors or those with complex financial situations that complicate conventional financing.

Pre-1978 wood-frame multi-unit buildings on the Mandatory Soft Story Retrofit Program list are often priced attractively because of the pending compliance obligation. We bridge the acquisition, include a draw facility for the seismic retrofit cost ($60,000–$150,000 depending on building size and scope), and structure extension options tied to LADBS inspection milestones. When the building completes the retrofit and clears the compliance list, the borrower refinances into permanent financing at the improved post-retrofit value.

Burned lots in Pacific Palisades and the Altadena foothills are priced below intrinsic value due to insurance gaps and rebuilding complexity. We bridge these acquisitions based on land value and exit strategy — the California FAIR Plan's role as the only available insurer in fire-impact zones doesn't automatically kill a deal with sound underlying economics. Bridge terms of 18–36 months accommodate realistic hold timelines through the LADBS rebuilding permit cycle.

Properties in transition — acquisition of a Hollywood apartment building in mid-renovation, closing on a Koreatown retail strip in lease-up, securing a DTLA mixed-use building with significant vacancy — require bridge capital that closes fast and accommodates stabilization timelines. We structure value-add bridge loans with interest reserves that carry the property through the improvement or lease-up period and extension options tied to stabilization milestones.

Most bridge loans close in 5–14 days from application. For experienced borrowers with documentation organized — purchase contract, entity docs, property photos, basic exit strategy information — we can close in 5–7 days. The main variables are appraisal scheduling, title clearance, and entity documentation completeness. Having a pre-approval in place before you find the deal shaves days off the process.

Yes — and we've done it many times. We close 1031 bridge loans in as little as 7 days for organized borrowers. We coordinate with your qualified intermediary on exchange mechanics, timing, and fund release. When exchange funds clear, they pay off the bridge. The bridge interest cost is almost always a fraction of the capital gains tax the exchange preserves.

Yes, and this is a specific specialization of ours. We fund the acquisition and include draw capacity for the retrofit cost. Draws release against LADBS inspection milestones. When the building completes the retrofit program and clears the Mandatory Soft Story Retrofit Ordinance compliance list, the borrower refinances into permanent DSCR or conventional financing at the improved post-retrofit value.

Yes. We evaluate post-fire lot bridges based on land value, rebuild economics, and exit strategy. The California FAIR Plan as the only available insurer in many fire-impact zones doesn't automatically disqualify a deal with sound underlying asset value. We structure bridge terms of 18–36 months to accommodate realistic hold timelines through the LADBS rebuilding permit cycle.

Bridge loan rates typically range from 9%–12% depending on loan size, property type, leverage level, and exit strategy strength. Interest is typically charged only on drawn amounts where draw facilities are involved. Most bridge loans have no prepayment penalties — you pay interest only for the days you hold the loan. Exit as quickly as your exit strategy executes and you minimize total interest cost.