BRIDGE LOAN

When Opportunity Knocks, but Won’t Wait Around…

Bridge loans “bridge” the gap in financing —
for when you’ve found the perfect investment, and need to close quickly.

For Real Estate Investors, access to a reliable, fast and proven financing source is critical. ICF’s Bridge loan program is designed to meet the borrowers need to purchase quickly, cutting through the red tape of traditional financing methods.

ICF’s Hard Money Bridge Loans are designed for investment properties (Single Family – Non Owner Occupied, Multi-Family and Commercial) in need of little to no improvement, which will be sold or held as a rental property for the Investor.

Our Hard Money loans allow for the purchase price, closing costs, loan fees, etc., to be rolled into the loan up to the maximum loan of 70% of Appraised Value. Combined with our No Down Payment requirement, leaving you with valuable operating capital to complete your project.

We provide Hard Money Renovation Loans nationally, with few exceptions.

Real estate investor rehab property using hard money

While we realize every borrower and transaction are unique,
the following is an overview of our general parameters.

General Loan Perimeters:

Up to 90% of Acquisition Cost
Loan to Value – Up to 70% of Appraised Value
Term – 9 Months to 24 Months
Payments – Interest Only

Credit Score Minimum – 650 Minimum
Pre-Pay Penalty – NONE
Origination – 2 to 3%
Vesting – Entity or Corporate Structure

FREQUENTLY ASKED QUESTIONS

No, ICF is a commerical purpose lender. Owner Occupied properties are considered consumer purpose and for those we recommend you seek conventional financing through traditional lenders.

Residential Stand Alone Single Family (non-owner occupied), Multi-Family and Mixed Use Commercial, properties in any condition.

No. You only pay interest for the term you have the loan. The faster you fix the property up and sell or refinance it, the more profit you will earn. Real estate investors should never pay pre-payment penalties!

No, ICF will only lend in 1st Lien position. We do allow for seconds from other sources.

Normal turn times range from 7 -10 business days after we receive the full property submission packet. Being pre-approved can save you valuable time in the process.

ICF will conduct an independent appraisal of the property in As-Is condition, as no improvements are being made to the property. If you are making improvement, check out our Renovation Loan as that will greatly affect the overall value of the property.

Our Hard Money Renovation Loan fits that model. ICF will loan based off the After Repair Value, versus the current value. So, if you are buying the property at a big enough discount, you can get it with No Money Down.

What our Clients are saying:

Karl J.

"I’ve used Investors Choice for 9 projects now. Every time you have gone well beyond my expectations and made financing my projects totally painless. Just want to say, Thanks and you are my lender for life."

Karl J.

Investors Choice Funding
5
2016-12-27T00:45:42+00:00

Karl J.

"I’ve used Investors Choice for 9 projects now. Every time you have gone well beyond my expectations and made financing my projects totally painless. Just want to say, Thanks and you are my lender for life."

Brad M.

“Yes, those at Investors Choice Funding are respectful and responsive.  What I appreciate most is the candor and influence by Dave for me to grow in this business!”

Brad M.

Investors Choice Funding
5
2016-12-27T00:44:23+00:00

Brad M.

“Yes, those at Investors Choice Funding are respectful and responsive.  What I appreciate most is the candor and influence by Dave for me to grow in this business!”

Robert & Valerie S.

“I interviewed 5 different hard money lenders in the Kansas City area before I ran in to Investors Choice. I was looking for someone that I could connect with on a personal level and offered a great service. They’re all that. I knew right then that I could stop looking. I’ve been using them ever since. Thanks to everybody at ICF. You are greatly appreciated!”

Robert & Valerie S.

Investors Choice Funding
5
2016-12-27T00:43:29+00:00

Robert & Valerie S.

“I interviewed 5 different hard money lenders in the Kansas City area before I ran in to Investors Choice. I was looking for someone that I could connect with on a personal level and offered a great service. They’re all that. I knew right then that I could stop looking. I’ve been using them ever since. Thanks to everybody at ICF. You are greatly appreciated!”

Audrey H.

“As a new investor, I was extremely nervous and concerned about doing my first rehab deal. With the financial assistance of Investors Choice Funding, I was able to purchase my first investment property and several since.” Thanks for Everything!

Audrey H.

Investors Choice Funding
5
2016-12-27T00:42:42+00:00

Audrey H.

“As a new investor, I was extremely nervous and concerned about doing my first rehab deal. With the financial assistance of Investors Choice Funding, I was able to purchase my first investment property and several since.” Thanks for Everything!

Jim & Beth K.

“Over the last several years, we have evaluated many Hard Money Lenders. After researching and comparing, it is our opinion that Investors Choice Funding is the best. They have consistently had a presence, have easy to use systems, help to educate their borrowers and they support the industry in multiple ways.”

Jim & Beth K.

Investors Choice Funding
5
2016-12-27T00:40:29+00:00

Jim & Beth K.

“Over the last several years, we have evaluated many Hard Money Lenders. After researching and comparing, it is our opinion that Investors Choice Funding is the best. They have consistently had a presence, have easy to use systems, help to educate their borrowers and they support the industry in multiple ways.”

Sue C.

“Partnering with Investors Choice Funding has been a great decision for us. Dave has been a great mentor and advisor ever since the beginning and you can always count on him to close the deal.”

Sue C.

Investors Choice Funding
5
2016-12-27T00:39:47+00:00

Sue C.

“Partnering with Investors Choice Funding has been a great decision for us. Dave has been a great mentor and advisor ever since the beginning and you can always count on him to close the deal.”

Raphael J.

“When Investors Choice and Dave tell you they're going to do something that's exactly what they're going to do.”

“I have had the pleasure or displeasure depending on how you see it, of working with other lenders as a client as well as a consultant and I can tell you there's nothing worse than having money tied up in the deal that will not fund on time or does not fund at all. “

Raphael J.

Investors Choice Funding
5
2016-12-27T00:37:31+00:00

Raphael J.

“When Investors Choice and Dave tell you they're going to do something that's exactly what they're going to do.” “I have had the pleasure or displeasure depending on how you see it, of working with other lenders as a client as well as a consultant and I can tell you there's nothing worse than having money tied up in the deal that will not fund on time or does not fund at all. “

Becky S.

"I interviewed a bunch of Hard Money lenders, and immediately noticed a difference in talking with them, they cared about me and my business and not just a quick deal. I used them for my very first deal and they were great. Will be using them for all my projects."

Becky S.

Investors Choice Funding
5
2016-12-27T00:31:45+00:00

Becky S.

"I interviewed a bunch of Hard Money lenders, and immediately noticed a difference in talking with them, they cared about me and my business and not just a quick deal. I used them for my very first deal and they were great. Will be using them for all my projects."

Jonn K.

"I started with ICF as a new investor and extremely glad I did. They not only were easy to work with, but also pointed out things about my project that I hadn’t even crossed my mind. Love having you on my team!"

Jonn K.

Investors Choice Funding
5
2016-12-27T00:44:58+00:00

Jonn K.

"I started with ICF as a new investor and extremely glad I did. They not only were easy to work with, but also pointed out things about my project that I hadn’t even crossed my mind. Love having you on my team!"
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Investors Choice Funding

Ready to Submit your deal?

It’s as easy as 1, 2, 3….

Step 1 – Contact us to review the overall project at

300-500-7088

or complete the contact form and we’ll reach out to you as soon as possible.

Step 2 – Collect & Submit Documentation

Step 3 – Close your deal, typically within 7-10 days.

Not quite ready to submit but have questions? Use the contact form and we’ll respond pronto.