Unique Loan Terms
Diamond | Platinum | Gold | Silver | Jumbo | |
---|---|---|---|---|---|
Payments | Interest Only | Interest Only | Interest Only | Interest Only | Interest Only |
Rate – 1st Mortgage | 7.95 – 9.95% | 8.95 – 10.95% | 10.95 – 12.95% | 12.95% | TBD |
Term (Years) | 1 – Year | 1 – Year | 1 – Year | 1 – Year | TBD |
Prepay (Years) | None | None | None | None | None |
Max LTV | 75% 2-4 Unit – Reduce LTV by 5% |
75% | 75% | N/A | TBD |
Max CLTV | 75% | 75% | 75% | 75% | TBD |
Min. Loan Amount | $75K | $60K | $60K | N/A | $500K |
Max Loan Amount | $500K | $500K | $250K | $500K | $2MM |
Down Payment | 15% of TCC (Purchase, Rehab & Closing Costs) |
Min 10% Down | Min 10% Down | N/A | TBD |
Title | Company or Land Trust | Company or Land Trust | Company or Land Trust | Company or Land Trust | Company or Land Trust |
Personal Guarantor | Mandatory Anyone with more than 25% ownership must qualify |
Mandatory | Mandatory | Mandatory | Mandatory |
Min. Credit Score | 600 660 min for NY, NJ, MD, CT, IL, IN |
600 | 600 | 600 | 650 |
Reserves | 6 months | 6 months | 4 months | 6 months | Case by case |
Interest on Undrawn Funds | None | None | None | None | None |
FAQs
refinance
Our refinance hard money loan programs are exclusively designed for Real Estate Investors who want to fix and sell or fix and rent out their investment properties. We also provide low interest, long-term refinance options for Landlords.
We currently do not provide funding to Real Estate Investors who intend to live in the property they are refinancing. We are not able to provide loans for properties which will be used as personal, family or household residences.
We approve loans based on your ability to succeed with your real estate investment project. We look for 3 components in every loan we approve. We call it “BEE” approved by BridgeWell.
BEE stands for:
- Benefit: BridgeWell is committed to WIN-WIN business transactions. The first thing we look for is “benefit” to the Real Estate Investor. We only fund loans where we clearly see substantial benefit to the borrower.
- Equity: We want our Customers to have solid equity in their investment projects right from the beginning. One of the keys to successful real estate investing is making a great buy on a solid property.
- Exit: Successful investment projects typically require a workable exit strategy. This may be a prompt re-sale plan for a “buy-fix-sell” project or conventional refinance (or cash pay-out) plan for “buy & hold” projects. A well-planned, realistic exit strategy is a key component of all successful real estate investment projects.

How it works
Free up capital with the equity from an owned investment property to finance it’s repairs and then sell it or rent it. This program is a super fast, hassle-free solution designed to help Real Estate Investors cash out of existing investment properties.
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What Our Clients Say About Our Loan Programs


“ We have completed several transactions with this lender and have had a great experience every time. Staff is knowledgeable and efficient. Communication is excellent. Will definitely work with again. Highly recommend. ”

“ The team at BridgeWell Capital are friendly, knowledgeable, great customer service, and most importantly they make their funding process very simple and fast. They were able to make my funding process easy to understand from beginning to closing. They were there every step of the way. Thanks BridgeWell for the good work that you provide to us as investors! ”