Investor Loans

Single-Family Rental (SFR) Bridge

Bridge capital for single-family residential properties.

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At a Glance

Funding Amount $50,000 - $3,000,000

Term 12 Months

Overview

The Angel Funding Advantage

SFR Bridge loans provide short-term financing for rent-ready properties that require no planned renovations.

Two structures are available: a no-DSCR option for recently renovated or newly constructed properties listed for sale, and a DSCR-exit option for properties that are rented (or soon to be) but not yet ready for permanent financing.

No personal DTI requirements
Rent-ready properties — no rehab needed

The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

Target Acquisition

Our advisors handle this step for you and keep you informed at every stage.

Underwriting

We appraise the "As-Is" value and underwrite the loan based on the asset, not your personal income.

Acquisition

Our advisors handle this step for you and keep you informed at every stage.

Stabilization & Exit

You place a tenant, let the property season, and refinance into a 30-year DSCR loan.

Who Qualifies?

Real estate investors purchasing non-owner occupied, rent-ready properties
Eligible properties: single-family homes, 2-4 units, townhomes, PUDs, and warrantable condos (no rural, exotic, or unique properties)
Properties requiring no planned renovations (for rehab projects, see Fix & Flip)
For the DSCR-exit option: a minimum 1.10 exit DSCR and property condition with no deferred maintenance

Why Choose This Option

No Debt-to-Income (DTI) or W2 requirements.
Seamless transition into our DSCR long-term rental products.

Common Scenarios

How businesses use Single-Family Rental (SFR) Bridge

The BRRRR Method

Acquiring a property, doing light paint/flooring, placing a tenant, and refinancing.

Portfolio Acquisitions

Acquiring a small bundle of 3-4 single family homes from a retiring investor.

Transitional Assets

Buying a currently vacant property and holding it while finding the right long-term tenant.

FAQ

Frequently Asked Questions

Get the facts on Single-Family Rental (SFR) Bridge.

Can I transition this into a 30-year rental loan?

Absolutely. Many investors use our bridge loans to acquire and reposition, then transition seamlessly to our DSCR loans for the long-term hold, often saving on duplicate closing costs.

Is this the same as a Fix and Flip loan?

Similar, but SFR Bridge is generally used for properties requiring light cosmetic work or no work at all, whereas Fix and Flip loans include a dedicated holdback escrow for heavy construction.

What are the two loan options?

A no-DSCR option for recently renovated or newly built properties that are listed for sale, and a DSCR-exit option (1.10 minimum exit DSCR) for properties that are rented or soon to be rented but not yet ready for permanent financing.

Can I use this for a short-term rental (Airbnb)?

Yes! You can acquire a property with bridge debt, furnish it, establish a short-term rental history, and then refinance it.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call

Business Funding

Commercial Real Estate