KS Kiri Knows Realty & FinancingBuy Before You Sell · OC See If You Qualify
Home How It Works DTI & Qualifying Cost Example Sell Your Current Home Investors & Flippers FAQ About Kiri See If You Qualify →
Business-purpose track

Bridge financing for investors and flippers — non-owner-occupied.

Same structure, different track: a short-term bridge on investment property with no monthly payments during the term, cost charged as points and fees, and a balloon at sale or refinance. Built for acquisitions where speed and a clean exit matter more than a 30-year note.

Request a Deal Consult
Who this is for
  • Fix-and-flip buyers in Long Beach, Anaheim, and Westminster needing to close before a conventional lender can.
  • Buy-and-hold investors acquiring a rental now and refinancing into a DSCR loan once it is leased.
  • Owners of a paid-off rental pulling equity out of one property to buy the next without disturbing the first's long-term loan.

Non-owner-occupied property only. Loans on your own residence are the consumer track.

How the business-purpose bridge differs.

Faster close

Business-purpose loans do not carry the consumer-mortgage waiting periods, so funding is driven by title and appraisal rather than a disclosure calendar — typically faster than the consumer track.

No monthly payments during the term

Structured the same way as the consumer bridge: interest-only with a maximum six-month term, the interest charged as points rather than monthly payments, so the carry during rehab or lease-up is the property's expenses, not a loan payment. See the cost example including APR for how points translate into an annualized cost.

Exit: sell, or refinance into DSCR

Flips pay the balloon from sale proceeds. Holds refinance into a DSCR rental loan that qualifies on the property's rent rather than your personal income — I originate those as well, so the exit is underwritten before the bridge funds.

Sizing

Loan amount is driven by purchase price, current value, and — for rehab deals — the after-repair value, within program loan-to-value limits. Bring the numbers and the scope of work to the consult and you will get a real answer on sizing.

About business-purpose lending Business-purpose loans on non-owner-occupied property are exempt from the federal Truth in Lending Act, so you will not receive a consumer Loan Estimate or Closing Disclosure. All advertising and every figure quoted to you must still be truthful and non-deceptive, and the loan's points, fees, term, and balloon payoff are stated in writing before you commit. Balloon payoff is due at sale, refinance, or term maturity, whichever occurs first; if you cannot exit by maturity, you must pay off, refinance, or extend (if available) — extension is not guaranteed. Not a commitment to lend.

Where the deals are — and what the exit looks like.

Long Beach

Duplexes and fourplexes in Wrigley, Cambodia Town, and the Eastside; 1920s bungalows in Rose Park. Strong rental demand makes DSCR a natural exit — lease it, season it, refinance it.

Anaheim & Westminster

Dated 1960s tract homes bought from estates and long-time owners, rehabbed, and sold to FHA buyers. The exit is a sale — so the bridge term has to cover rehab plus an FHA buyer's escrow.

Huntington Beach

Higher acquisition prices, higher resale ceilings. Flips here live or die on the purchase price; a bridge that closes in time to win the deal is the edge.

← HomeDTI & qualifyingCost example (APR)
Deal consult

Walk me through the deal.

Business-purpose bridge on a non-owner-occupied property: purchase price, rehab budget, exit plan. I will tell you whether the numbers hold up and what the exit financing looks like.

"I handle the offer and the pre-approval in one call."

Request a Deal Consult

Non-owner-occupied only. Send the address and your exit plan.

No credit pull from this form. Submitting does not guarantee approval or any loan terms; all loans are subject to credit approval, underwriting, and program guidelines. See our privacy policy.