Bridge Loans in Lincoln County Washington
Fast, flexible bridge financing for real estate investors — close in as little as 3–10 days. We fund acquisitions, time-sensitive opportunities, and deals banks can’t.
What Is a Bridge Loan?
A bridge loan is short-term, asset-based financing that “bridges” time gaps—letting you purchase now and refinance/sell later. Perfect when a bank isn’t ready, an appraisal would slow you down, or a seller wants a quick close.
Use cases
- Buy before the sale of your current property
- Refi out of a maturing or high-rate note
- Auction/wholesale acquisitions that need immediate cash
- Light value-add prior to DSCR/agency take-out
Temporarily stabilize tenancy or income
Who Qualifies?
You’re a strong candidate if you:
- Purchase or own investment real estate in Washington
- Have a clear exit strategy (sale or DSCR refi)
- Can document basic valuation and title status
- Can bring 10–20% equity (or equivalent collateral)
Property Types Eligible
- Single-family residences (non-owner-occupied)
- 2–4 units and small multifamily (5–10 units)
- Townhomes/condos (investment use)
- Mixed-use and light commercial (case-by-case)
- Distressed, vacant, or auction properties
Local Expertise
LoiNow has funded 1,000+ Washington projects—from the Spokane area to the Puget Sound (Seattle, Tacoma, Bellevue, Redmond). Our Seattle HQ and statewide partners understand county permitting, rural title nuances, well/septic considerations, and seasonal timelines that impact Inland Northwest transactions.
Familiar with Lincoln County Planning & Building permit workflows
How the Process Works
Submit Your Scenario
Property address, purchase/loan amount, estimated value, and exit plan
Fast Term Sheet
Underwriting reviews title, liens, and valuation. Receive pricing in 24–48 hours.
Quick Close
We wire to escrow once title is clear. Typical closings within 3–10 days.
Execute Your Plan
Stabilize, improve, or list the asset. Refinance into DSCR or sell when ready.
Benefits over Traditional Banking
Approval speed (24–48 hours)
Property Condition Flexible (as-is OK)
Docs Minimal, Asset-Based
Draws/rehab Light value-add OK
Close time (3–10 days)
Loan Program Overview
Feature | Details |
Loan Type | Bridge (Purchase, Refi, or Cash-Out) |
Loan Size | $100,000 – $7,500,000+ |
Term | 6–18 months (interest-only) |
LTV | Up to 75–80% of as-is value |
LTC (purchase) | Up to 85–90% of purchase price |
Speed | Close in 3–10 days (title-clear) |
Valuation | In-house review or BPO; appraisals often waived |
Credit | Flexible (no minimum FICO) |
Prepay | No prepayment penalty on most files |
Collateral | SFR, 2–4 units, small multifamily (5–10), mixed-use/light commercial |
FAQs
Many files close in 3–10 days once title is clear and valuation is complete.
Often no—we use in-house reviews or BPOs when appropriate to save time.
Yes. Entity lending is preferred for investment properties.