Moving Fast & Staying Liquid: How One Investor Strategically Used Bridge Financing to Land a Great Deal
When opportunity strikes and a below market property becomes available, speed and liquidity are key. In a competitive market, delays can cost you the deal. One investor avoided that risk by using Fidelity Bancorp Funding’s 9.25% Bridge Program to move fast, keep cash available, and secure a high-potential property. Here’s how they did it—and how you can too.
The Opportunity
An investor identified a strong property in a great location with outdated interiors and promising post-renovation rental upside. But traditional financing was too slow, and using too much upfront equity would limit flexibility for other deals. Time was critical.
The Solution: Strategic Use of Bridge Capital
To move fast, the investor used Fidelity’s 9.25% Bridge Program—a short-term loan structured for agility. In just 10 days, they secured $1 million at 9.25% interest, with a 12-month term and a 65% loan-to-value (LTV) ratio. This meant a lower down payment and more cash on hand for renovations and future projects.
The loan structure supported the investor’s strategy: add value, raise rents, and prepare the property for long-term refinancing. With an exit already in place, the bridge loan delivered both speed and flexibility.
Why This Worked
Traditional loans often come with delays and strict requirements. This bridge loan focused on execution. Fast closings, flexible terms, and direct capital helped the investor act quickly—without sacrificing return potential. The 9.25% rate kept costs competitive, and lower upfront capital preserved liquidity for other opportunities.
Looking Ahead
Now mid-renovation, the borrower is on track to stabilize the property and transition to permanent financing ahead of schedule. The bridge loan did what it was meant to do: provide tactical speed without compromising financial strategy.
About the Fidelity 9.25% Bridge Program
Fidelity Bancorp Funding’s 9.25% Bridge Program offers:
Interest Rates: Starting at 9.25%
Loan Sizes: $1M – $20M
LTV: Up to 65%
Term: 12 months (with potential extensions)
Execution: Close in as little as 10 days with direct capital
For investors balancing opportunity with liquidity, it’s a pragmatic tool for navigating today’s fast-paced market.
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Just Closed at 9.25%!
A $1 million bridge loan was recently secured for a 5-unit multifamily property in San Diego, CA. It enabled the experienced investor to complete value-add renovations and transition to permanent financing. This enabled the borrower to bring less cash down payment to the transaction allowing for increased liquidity while a value-add plan is completed.
