Bridge and hard money loans are short-term, asset-based tools that let investors move quickly. This guide covers how each works, when to use them, and what to expect on rate, term, and structure.
Hard money is a category (asset-based, short-term). Bridge is a use case — a loan that bridges from one financing event to another (e.g., acquisition to DSCR refi, or old home to new home).
Both product families price on asset, not income.
When timing matters more than cost of capital — auction purchases, non-warrantable condos, rehab-then-refi plays, and buy-before-you-sell scenarios.
Yes — most investors exit into a DSCR or conventional loan once the property is stabilized (rented and seasoned 3–6 months).
Apply now · Talk to a loan advisor
https://gelitecapital.com/resources/guides/bridge-hard-money-guide