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HomeCompareHard money / bridge vs DSCR rental loan
Program comparison

Hard money / bridge vs DSCR rental loan: which one fits?

Two investor tools with different jobs. Bridge money buys speed on a property that is not ready. DSCR money holds a property that is producing rent. Most investors need both in sequence.

Side by side

The differences that actually cost money.

Hard money / bridgeDSCR rental loan
PurposeAcquire and rehab quicklyLong-term hold on a rented property
UnderwritingThe asset and the exitRent versus payment coverage, 1.1x+
Term6–24 months30 years typically
RateHighest of the twoNear conventional investor pricing
Speed to close7–14 days14–30 days
Income docsNoneNone — the property qualifies
Rehab fundsYes, in inspected drawsNo
Ranges are typical outcomes across our lender network, not quotes. Your file sets the real terms.
Choose hard money / bridge when

Hard money / bridge is the right call

  • The property needs work before it can rent
  • The contract has a two-week close
  • You plan to flip or refinance out
Hard money / bridge details
Choose dscr rental loan when

DSCR rental loan is the right call

  • The property is rented or rent-ready
  • You are holding for cash flow
  • You want a 30-year fixed payment
DSCR rental loan details
Our verdict

What we would tell you on the phone.

Buy with bridge, stabilize, then refinance into DSCR. Running that sequence deliberately is how investors scale without personal income documentation ever entering the picture.

Comparison questions

What people ask next.

Once the property is rent-ready and, on most programs, after a short seasoning period. Confirm the seasoning requirement before you buy — it decides your timeline.
1.1x or better is the common threshold, meaning rent covers the payment with 10% to spare. Some lenders go lower with a larger down payment.
More comparisons

Other decisions worth getting right.

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When your bank says no. We find who says yes.

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