A $2M bridge loan is not just a bigger $300,000 loan. It needs a lender with the capacity to fund it, the speed to close it and a realistic plan for how you will pay it off. This guide shows how to compare large bridge lenders, and why LendingStreet is our first recommendation.
In short: Our top pick for large bridge loans is LendingStreet. We fund residential investor bridge loans from $1M to $5M+ on 1-8 unit property, with rates from 7.99%, short-term interest-only payments and closings in as little as 10 days. Just as important, we offer the exit: a DSCR or jumbo DSCR refinance once the property is leased. We lend in all 50 states and DC, and larger balances are reviewed case by case.
For residential investors who need $1M to $5M+ of short-term financing, our top pick is LendingStreet. Our bridge program runs from $150,000 to $5M+, and this guide focuses on the $1M to $5M+ range, where larger balances are reviewed case by case. Rates start from 7.99%, loans are short-term and interest-only, and we can close in as little as 10 days.
We lend on non-owner-occupied 1-8 unit investment property in all 50 states and DC, and every bridge loan is planned around a clear exit: a sale, or a refinance into a DSCR or jumbo DSCR loan with us. That second option matters on a big deal, because you can talk through the long-term loan before you buy.
It fits investors buying high-value homes or small multi-unit buildings that need work, buying a package of rentals, paying off a maturing loan, or closing fast on a competitive deal. Get a quote with the form below or call (877) 298-1001.
If you are weighing CoreVest, Dominion Financial, Lima One and Roc Capital for a large bridge loan, this is the short version: LendingStreet wins the scenarios below, and you can get a quote with the form below.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Bridge loan above $3M | LendingStreet | Our bridge program runs from $150,000 to $5M+. CoreVest states single-asset bridge loans from $75K to $2M+, and Roc Capital states stabilized bridge loans up to $3,000,000. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Large bridge loans solve timing problems that long-term loans cannot.
Here is how the common types of lenders tend to compare on a $1M+ residential investor bridge loan.
| What investors need | LendingStreet | Typical bank | Typical local hard money lender |
|---|---|---|---|
| Speed | Close in as little as 10 days | Often 30 to 60+ days | Often fast |
| Large balances | $150,000 to $5M+; larger reviewed case by case | Varies; may need a deposit relationship | Often capped by the lender's own funds |
| Pricing | Rates from 7.99% | Varies; often needs full income docs | Varies, often higher |
| Payment | Interest-only, short-term | Often amortizing | Usually interest-only |
| Exit options | Sale or DSCR/jumbo DSCR refinance with us | Varies | Usually you find the refinance elsewhere |
| Footprint | All 50 states and DC | Usually local | Usually local or regional |
This example is illustrative and not a quote. An investor buys a vacant 6-unit building for $1,800,000 and plans $300,000 of renovations, for a total cost of $2,100,000. The bridge loan is $1,575,000, or 75% of total cost.
After renovation and lease-up, the building is valued at $2,700,000 and each unit rents for $2,600. A DSCR refinance at 65% of value, $1,755,000, pays off the $1,575,000 bridge and leaves about $180,000 before closing costs. The new loan's DSCR is about 1.10x.
| Line item | Amount |
|---|---|
| Bridge loan (75% of $2,100,000 cost) | $1,575,000 |
| Estimated interest-only payment | $12,141 per month |
| Estimated interest over 8 months | $97,125 |
| Refinance loan (65% of $2,700,000) | $1,755,000 |
| Estimated principal and interest on refinance | $11,794 per month |
| Taxes and insurance (estimate) | $2,400 per month |
| Rent (6 x $2,600) | $15,600 per month |
| Refinance DSCR | About 1.10x |
The best large bridge loan is one with a clear way out. If you plan to sell, build in realistic time on market and selling costs. If you plan to hold, check now that the finished rent will support a DSCR loan at the standard 1.0x minimum, and remember that max LTV on larger balances varies by program. Our bridge-to-DSCR guide walks through the steps.
Because LendingStreet offers both the bridge and the DSCR or jumbo DSCR refinance, we can look at both loans together at the start. That lets you see the likely refinance amount, the rent it requires and the cash you may take out before you commit to the purchase, instead of discovering a gap months later when the bridge is near maturity.
Larger balances usually need a full valuation, and the as-is value, the renovation budget and the after-repair value all shape the loan. Have a scope of work, a contractor bid, a purchase contract and entity documents ready. Clean, complete files are the fastest path to a 10-day closing.
On a package of rentals, expect each property to be reviewed on its own, with the loan sized to the combined value and the plan for each home. On a high-value single home, the depth of comparable sales matters, because a thin market for $2M+ homes can slow a resale exit. Budget reserves for interest, taxes and insurance through the whole hold, plus a cushion if the renovation or lease-up runs long.
Local rules change the plan. Texas has no state transfer tax but high property taxes, Florida stacks documentary stamp taxes and wind insurance on top of a fast market, and California's rent rules and reassessment at purchase shape any value-add plan. Our state guides cover each market in detail, and nine or more units moves to /commercial.html.
Ask every lender the same questions:
Our bridge program runs from $150,000 to $5M+, with larger balances reviewed case by case and leverage that varies by program. We can close in as little as 10 days, rates start from 7.99%, and LLC borrowers are standard. For the exit, we offer DSCR and jumbo DSCR refinances with a standard 1.0x DSCR minimum, sub-1.0 programs on some files, and seasoning that varies by program.
Have a large deal on the table? Get a quote with the form below or call (877) 298-1001.
Our top pick is LendingStreet. We offer $1M to $5M+ residential investor bridge loans with rates from 7.99%, closings in as little as 10 days, and a DSCR or jumbo DSCR refinance exit in-house.
Yes. We lend on 1-8 unit investment property in all 50 states and DC.
Our bridge program runs from $150,000 to $5M+. Larger balances are reviewed case by case.
As little as 10 days with a complete file. Larger balances usually need a full valuation, so order it early.
Larger balances usually need a full valuation of the as-is and after-repair value.
Yes. Many investors exit into a DSCR or jumbo DSCR loan with us once the property is leased.
Yes, 1-8 units is residential with us. Nine or more units is commercial.
Yes. Our bridge loans are short-term and interest-only.
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