Bridge loans for Ohio real estate investors
Our bridge loans deliver fast, flexible funding for stabilized properties, perfect for quick closings, resales, or short-term holds.
Bridge loan terms that work for you
Our bridge loans are built for real estate investors who need fast, no-hassle capital. With simple, asset-based terms and flexible interest options, we make closing your bridge loans quick and straightforward. We lend across Ohio on stabilized rental, listed, and transitional properties. Whether you’re refinancing, reselling, or holding short-term, we help you move without delays.
Loan Terms & Features
- Loan to Value: Up to 75% of Loan to Value (LTV)
- Loan Amount: $50K-$500K
- Term: 12 - 24 Months
- Rates: Starting at 9%*
- Points: 1–4 points, option to defer to payoff
- Interest Structure: Monthly payments, option to defer up to 6 months
- No Additional or Hidden Fees
- No Prepayment Penalty
- Competitive Pricing
- Time to Close: 5-7 business days
- Property Types: Rental properties, listed properties, or transitional assets
- Geography: Currently serving every major city in Ohio and neighboring states
- Business Loan: Yes – for entities with personal guarantors
- Lien Position: 1st position only
*Rates and terms vary based on borrower experience
Borrower Qualification Requirements
- Credit Score: 640+ preferred
- Credit Check Type: Only a soft pull is required, with no impact to your credit report
- Capital Requirements: Sufficient capital for down payment, closing costs, and other fees.
- Experience Level: Open to both new and experienced real estate investors
- Entity Structure: Borrowers must apply through a legal business entity with a personal guarantor
- Exit Strategy: Clear path to refinance or sale required
Areas We Serve
Serving Ohio Real Estate Investors
HT Capital Investments proudly serves major cities throughout Ohio, including, but not limited to:
- Columbus,OH
- Cincinnati,OH
- Cleveland,OH
Frequently Asked Bridge Loan Questions
Which interest structure is best for me?
Deferred Interest
Deferred interest is ideal for borrowers looking to reduce working capital. In this structure, 6 months of interest is built into the loan and funded by us on the committed loan amount. These funds are placed in a dedicated interest reserve account and released as interest comes due.
Borrower Benefits:
- Reduces monthly cash requirements for borrowers
- Any funds remaining at payoff is credited
Monthly Interest
Monthly interest payments are a great fit for borrowers with strong cash reserves who prefer greater control over their interest payments. Interest-only payments are due on the 1st of each month and are based on the committed loan amount.
- Payments due on first of each month
- Late fees apply after the 5th of each month
Committed Loan Amount is defined as purchase amount, the rehab budget, and the interest reserved
How do I make payments?
ACH
We will run your monthly interest payment automatically via ACH from the bank account information on file. The debit occurs on the first of each month.
- Due date: 1st of each month
- Grace period: Through the 5th of each month
- Late fees: 5% of payment due or minimum of $50 whichever is higher
- Additional daily amount of $50
Who do you lend to?
We work with both new and experienced real estate investors in Ohio and neighboring states. All loans must be made to a legal business entity (LLC or Corporation) with a personal guarantor.
What documents do I need in order to apply?
- Personal Identification (1): Driver’s License, Passport, or State-issue ID are all valid
- Entity Documents (1): Articles of Incorporation, Operating agreement, or EIN Verification Letter
- Bank Statements (60 days)
- Property Photos (at least 3)
- Borrower deal portfolio (3 most recent deals if applicable)
- Purchase Contract (if applicable)
- Payoff Statement (if applicable)
- Rent Roll (if applicable)
- Proof of ownership: Prior HUD/ALTA or Deed (if applicable; optional but encouraged)
Do you require an appraisal?
Yes. An appraisal is typically required before loan approval to verify asset value.
How much can I borrow with a bridge loan?
Loan amounts range from $50K to $500K, and up to 85% Loan-to-Value (LTV).
How long are your bridge loans?
Our bridge loans offer terms up to 6 months.
How much do I need to bring to closing?
- Down payment (usually 10–20% of the purchase price)
- Origination points, if not deferred
- Odd-days interest
- Third-party closing costs (such as title related fees)
How fast can I close on a bridge loan?
Most loans close in 5–10 business days. Deals in Ohio may close faster depending on borrower readiness and deal complexity.
Are there any prepayment penalties or hidden fees?
No. We do not charge prepayment penalties or junk fees. Our pricing is simple and transparent.
What is the underwriting fee?
A flat $2K underwriting fee is required to begin full underwriting. This covers appraisal, credit checks, and document processing. Final approval is not issued until this fee is received.
What types of properties are eligible?
We fund stabilized investment properties such as:
- Rental properties
- Listed properties
- Transitional assets
We do not fund owner-occupied or commercial buildings.
Do I need to apply through an LLC or business entity?
Yes. All loans are made to legal business entities with a personal guarantor.
Will applying affect my credit?
We require a soft credit pull only with no impact to your personal credit score.
What qualifies as an acceptable exit strategy?
All bridge loans require a clear plan to exit the loan within 6 months. We accept the following:
Refinance:
- Plan to refinance into long-term financing
- Provide payoff statement, rent roll (if applicable), and refinance intent
Sale:
- Plan to sell the property
- Provide listing agreement or MLS statement
Short-Term Hold (Undecided Exit):
- Holding the property for a short period, likely to sell or refinance later
- Provide purchase contract and rent roll (if applicable)
If you are replacing a current loan, this falls under the refinance exit strategy.
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