You are competing with cash buyers and the seller wants certainty. A fast-closing bridge loan can make your financed offer look almost like cash.
In short: LendingStreet bridge loans on non-owner-occupied investment property can close in as little as 10 days when the borrower, title and valuation all move in parallel. The deals that close fastest have a formed LLC, documents ready on day one, title ordered immediately and a no-appraisal valuation option where the deal qualifies. Programs run from $150K to $5M+ with up to 85% LTV. A 10-day close is achievable on clean deals, but it is never guaranteed.
Sellers of distressed or off-market investment properties often care more about certainty than price. A buyer who can close in 10 days with no financing drama frequently beats a slightly higher offer with a 30-day close.
Speed also matters at auctions, on assignment contracts with tight deadlines and when a prior lender falls through days before closing.
A fast close is not one step done quickly. It is several steps done at the same time instead of one after another.
Here is how a clean 10-day bridge closing usually lays out. Any delay in the borrower column pushes every other column back.
| Day | Borrower | Financing team | Title and valuation |
|---|---|---|---|
| 0 | Signs contract, submits quote form | Reviews deal, issues options | None yet |
| 1 | Picks an option, sends documents | Opens file, starts underwriting | Title ordered, valuation ordered |
| 2–4 | Answers questions, binds insurance | Reviews credit, entity and liquidity | Desktop valuation or BPO returned on qualifying deals |
| 5–7 | Reviews loan terms | Final underwriting, conditions cleared | Title commitment issued, issues cleared |
| 8–9 | Signs closing documents | Clear to close, docs drawn | Closing scheduled |
| 10 | Wires remaining cash | Funds the loan | Recording |
Most delays come from the borrower side, and most of them are avoidable. Have these ready before you even make the offer.
If you are new, form your LLC now, not after you are under contract. Entity setup alone can eat several days.
A full appraisal can take a week or more in busy markets. On qualifying bridge deals, we can use a desktop valuation or broker price opinion instead, so there is no appraisal to wait on.
Whether a no-appraisal path fits depends on property type, loan size and leverage. Ask at the start so the right valuation is ordered on day one.
Example only, not a quote. An investor finds a non-owner-occupied single-family rental listed at $475,000 that needs light work. Two cash buyers are circling, and the seller wants to close within two weeks.
The investor offers $470,000 with a 10-day close, backed by a bridge option at an assumed 85% of price, or $399,500. With the LLC already formed, statements uploaded on day one and a desktop valuation instead of a full appraisal, the file clears on day 8 and funds on day 10.
| Line | Example amount |
|---|---|
| Purchase price | $470,000 |
| Bridge loan (assumed 85%) | $399,500 |
| Down payment | $70,500 |
| Closing costs and points (assumed) | About $14,000 |
| Cash to close | About $84,500 |
Title problems are the most common surprise: old liens, probate issues, unpaid taxes or a missing release from a prior lender. Order title on day one so problems surface early.
Other common delays include a newly formed entity missing documents, funds moving between accounts without a paper trail, and slow insurance. Tell your loan officer your hard deadline up front, and our financing team will bring back 2–3 options built around that date.
Yes, on clean investor deals our bridge programs can close in as little as 10 days. It depends on fast documents from you, clear title and a quick valuation, so it is never guaranteed.
A bridge loan is usually the fastest financed option for investment property because it focuses on the asset and can use a no-appraisal valuation on qualifying deals. Having your entity and bank statements ready is the biggest thing you control.
Not always. Qualifying bridge deals can use a desktop valuation or broker price opinion instead of a full appraisal, which removes one of the biggest timeline risks.
Possibly, if the formation documents, operating agreement and EIN are complete on day one. Forming the entity before you go under contract is much safer.
Bridge loans cost more than long-term loans, but a fast close does not automatically mean a higher price. Pricing mainly depends on leverage, experience and the property.
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