Real estate investors looking for fast capital often ask one question first: What are bridge loan rates today?
Investors and developers rely on bridge loans to move quickly on transitional properties. Because these loans are short-term and asset-based, their pricing differs from conventional mortgages. As the 2026 market adjusts to higher borrower costs, you need to know exactly how bridge rates impact your profit.
In this guide, we will explain:
- Typical current bridge loan rates
- How 6 leading bridge lenders compare on rates
- Factors driving your pricing
- When bridge loans make sense for real estate investors
If you are new to bridge financing, you may also want to read our Residential Bridge Loans Investor Guide, which explains how these loans work, common deal structures, and when investors typically use them.
What Is a Bridge Loan?
For real estate investors, a bridge loan is a short-term, 1st-lien secured loan used to “bridge” a funding gap during a property’s transition: holding the asset until you sell or refinance. Unlike traditional mortgages, bridge loans are asset-based: the collateral value and your exit strategy matter more than personal DTI. Most are interest-only during the term.
For how these loans are structured, who uses them, and common deal types, see our Residential Bridge Loans Investor Guide.
What Determines Bridge Loan Rates?
The Economics of Your Rate: Key Pricing Levers
Four factors drive where your bridge loan rate lands within the current range.
Understanding these variables not only explains your interest rate but also allows you to stress-test your pro forma against real-world shifts. Small adjustments in your leverage or property strategy can often shave 50 to 100 basis points off your final term sheet.
1. The Leverage Tightrope (LTV)
Higher leverage means more risk for the lender, so a 75% LTV loan almost always carries a premium over one at 65%. Lenders want to see real “skin in the game.” Many institutional bridge lenders target roughly 65% to 75% as-is LTV, although leverage varies by product, property type, borrower profile, and exit strategy. The cap is often reduced for 2-4 unit properties, which have a smaller buyer pool and are harder to sell or refinance. To offset that exit risk, lenders require a larger equity cushion.
2. Property Type and Profile
- Asset class and geography: Lenders price by property type: non-owner-occupied SFR, townhomes, condos, 1-4 unit multifamily, or mixed-use, and by state, since foreclosure timelines and local market risk vary and feed directly into the rate available in your area.
- Project financials: A stabilized property needing no work earns a lower rate via a straightforward acquisition bridge; a standard bridge focuses on “as-is” condition to keep the close fast (7-10 days).
3. Borrower Experience
Your track record drives your bridge loan interest rate. Investors with a history of successfully completed projects, a performing portfolio, cash on hand for overruns, and a credible exit strategy qualify for more competitive terms.
4. Market Conditions
Bridge loan rates also move with the broader market: interest rate policy, capital availability, and investor demand for private real estate debt all shift pricing. When capital is tight, rates rise; when lenders compete for deals, rates fall. In 2026, the market is split: clean deals on solid residential properties get the lowest rates, while riskier or non-standard projects cost more.
Typical Bridge Loan Rates in 2026 by 6 Leading Bridge Lenders
Published bridge loan rates and interest rates in 2026 generally start around 7.75% for the strongest borrowers and run to about 11% or higher, depending on leverage, borrower experience, property type, and how each lender prices risk. The strongest borrowers on the cleanest deals see the low end of the rate; higher-risk projects cost more. The starting rates below are published on each lender’s own product page and represent best-case pricing, not what every borrower receives. Here is how seven active residential bridge lenders compare, and who each one fits best:
Kiavi’s bridge loan rates start at 7.75%: Kiavi prices on the property as much as the borrower. Loans run from $100K to $5M with leverage up to 100% LTC and 80% ARV, on single-family, 2-4 unit, condo, PUD, and manufactured homes.
Best for tech-comfortable investors who want an instant online estimate and high leverage on a clean residential deal.
Conventus’ bridge loan rates start as low as 7.75% : Conventus offers a combined bridge / fix-and-flip product for purchase or refinance, with loans from $100K to $10MM, up to 90% of purchase price and 100% of rehab costs, on a wide range including single-family, townhomes, condos, PUDs, ADUs, 5-29-unit multifamily, and mixed-use. Terms run 6-24 months, interest-only, with no income verification.
Best for investors who want one lender across both small residential and mid-size multifamily, with white-glove service.
Easy Street Capital’s bridge loan rates start at 8.90%: Easy Street’s EasyFix product covers both fix-and-flip and bridge, pricing on experience and deal structure rather than a published tier. Loans run $75K to $5M+ with up to 93% LTC and 75% ARV, 0-2 points plus a $1,995 document fee, and a 600 minimum FICO: the lowest credit floor in this group. Closings are advertised at 24-48 hours, contingent on all parties being ready.
Best for first-time flippers or lower-credit borrowers who need speed and a clearly structured deal.
Stormfield Capital’s bridge loan rates start at 8.99%: Stormfield is a balance-sheet lender that prices each deal through human underwriting rather than a tier model or automated engine, and it services loans in-house with no third-party handoffs. Loans run roughly $150K to $5M+ over 12-18 months, up to about 70% LTV, on single-family, condo, townhome, 2-4 unit, and ADU properties for LLC or corporate borrowers. An instant quote tool returns loan amount, purchase coverage, and rehab funding with no hard credit pull.
Best for investors who value certainty of execution and a single team from term sheet through payoff.
RCN Capital’s bridge loan rates start at 9.49%: RCN’s Short-Term Bridge program runs 12- and 18-month terms, $75K to $3M, up to 80% of as-is value on purchase, with a 650 minimum FICO, on residential 1-4 units, condos, townhomes, 5+ unit apartments, and mixed-use.
Best for borrowers working with a broker who want a transparent, published rate floor and broad property eligibility.
Lima One Capital’s rate by quote: Lima One’s Bridge Plus product does not publish a starting rate; cost is set by an origination fee plus an interest rate that depends on loan purpose and credit. Loans run $100K to $5M over 13 or 19 months, up to 80-85% LTV, with a 700 minimum FICO, the highest credit bar in this group, on single-family and 2-4 unit properties, including those currently listed for sale.
Best for stronger-credit borrowers who want a defined short-term hold and may have a property already listed.
| Lender | Starting Rate (published) | Loan Range | Min FICO |
|---|---|---|---|
| Kiavi | 7.75% | $100K-$5M | Not published |
| Conventus | As low as 7.75% | $100K-$10M | Not published |
| Easy Street | 8.90% | $75K-$5M+ | 600 |
| Stormfield | 8.99% | ~$150K-$5M+ | Not published |
| RCN | 9.49% | $75K-$3M | 650 |
| Lima One | Quote only | $100K-$5M | 700 |
Bridge Loan Fees to Expect
Beyond the rate itself, bridge loans carry several transaction costs. For a full breakdown, see our Residential Bridge Loans Investor Guide.
Published rate sheets also tell only part of the story. Every bridge loan is priced around the specific property’s leverage, borrower profile, and exit strategy. Looking at real funded transactions makes those pricing factors much easier to see in practice.
Real Stormfield Residential Bridge Loans
These are recent residential bridge loans Stormfield has funded, real examples of how investors use short-term capital to move on time-sensitive deals:
- $215,000 | Chicago, IL : 61% LTV, 12-month term. An experienced investor bridged a fix-and-flip already under contract to sell.
- $975,000 | Smithtown, NY : 54% LTV, 12-month term. A sponsor used a bridge to position the property for favorable long-term financing.
- $550,000 | Marco Island, FL : 65% LTV, 12-month term. A cash-out bridge against an investment condo to fund an opportunistic purchase.
Every deal is underwritten in-house and funded from our own balance sheet, which is how closings happen in days, not weeks.
Final Thoughts
Bridge loans are the fastest way for real estate investors to fund a project. They allow investors to move quickly on acquisitions, close fast, finish the rehab, and prep for sale.
Throughout this guide, we’ve focused on bridge loan rates because pricing is usually the first question investors ask. But rates are only one part of the decision. Closing certainty, execution speed, underwriting consistency, and a realistic exit strategy often have a bigger impact on the outcome of the investment than a small difference in interest rate.
Success in 2026 isn’t about the lowest rate. It’s about a lender who understands your deal. Understanding how bridge loan rates are determined and what factors influence pricing can help investors structure deals more effectively and ensure a profitable exit.
If you are planning your next deal, speaking with an experienced bridge lender early in the process can help you see what kind of leverage and rates you can actually get.
Frequently Asked Questions About Bridge Loans
1. How fast can a bridge loan close?
One of the primary advantages of working with a direct lender is speed. While traditional banks often require 45 to 60 days, we typically close residential bridge loans in 7 to 10 business days.
2. Will you lend to an individual or just an entity?
Stormfield Capital provides business-purpose loans only. This means we do not lend to individuals; the borrower must be a legal entity, such as an LLC or Corporation. If you are a first-time investor, you must have your entity formed and your EIN ready before the loan can be finalized.
3. Which property types qualify for a bridge loan?
We provide capital for non-owner-occupied investment properties where the goal is a clear “exit” through stabilization or a quick resale. Our core lending focuses on the following assets:
- Residential 1-4 Units: This covers your standard single-family rentals, fix-and-flips, and townhomes.
- Multifamily: We fund small to mid-sized apartment buildings (5+ units) that are currently in the middle of a lease-up phase or undergoing a major renovation.
- Mixed-Use: We look at properties that blend residential units with ground-floor retail or commercial spaces.
The Fine Print: We do not lend on primary residences, raw land, or ground-up construction. We want to see a standing structure with a clear path to completion.
5. Does Stormfield take a second lien position?
No. We are strictly a first-lien lender. In the simplest terms, our loan must be the primary claim on the property’s title. We do not offer “seconds” or mezzanine debt that sits behind another lender’s existing mortgage.
By staying in the first position, we can offer more aggressive rates and a faster closing process. We are not bogged down by another bank’s intercreditor agreements. If you have an existing loan you are not ready to pay off, we can usually structure a bridge loan to refinance that entire debt. This puts us in a clean first position and gives you fresh capital.
6. Are there prepayment penalties?
Most of our bridge programs are built around the “investor’s timeline.” This means they do not carry prepayment penalties. We actually want you to execute your plan as fast as possible. Whether that is a sale or a long-term refinance, you should not have to worry about “exit fees” just for being ahead of schedule.
7. Who services the loan after it closes?
We are not “hard money” brokers who sell your loan to a faceless bank the week after you close. We are a direct balance-sheet lender. We fund the deals ourselves, and we service them in-house. When you have a question about a renovation draw or need a payoff statement, you talk to the same team that approved your loan.
Disclaimer:
All loan terms discussed above are for informational purposes only and do not represent a commitment to lend. Actual loan terms, interest rates, leverage, and fees vary based on underwriting, borrower qualifications, property characteristics, and market conditions.
