Key features
- Acquire or refinance eligible investment property
- Finance around renovation and stabilization plans where programs allow
- Plan the long-term DSCR or other rental-loan exit before closing the bridge
- Useful for investors building a rental portfolio rather than immediately flipping
Who this is designed for
Investors purchasing or refinancing property that needs improvement before it can reach its intended rental income or long-term value.
Property types and uses
Commonly used for one-to-four-unit rentals and, with different commercial programs, multifamily or mixed-use properties. Final eligibility depends on scope, experience, property condition and exit strategy.
Common questions
How is fix-and-hold different from fix-and-flip?+
A fix-and-hold strategy renovates and retains the property as a rental. The financing plan therefore needs a credible long-term rental-loan exit rather than relying only on a sale.
Can the exit loan be DSCR?+
Often, yes. DSCR financing is commonly evaluated for stabilized rental properties because qualification can be based primarily on property cash flow rather than personal income.
Can renovation costs be financed?+
Some bridge and renovation programs can include eligible improvement costs, subject to lender guidelines, budgets, draws and property requirements.
Related financing
Tell us your scenario
CTC Equity compares your scenario across its lender network. Program availability, pricing, leverage and documentation requirements vary by lender, borrower and property.