RTL Program

Residential Bridge Loans for Real Estate Investors

Short-term residential transition lending for active operators.

FAQ

RTL — Bridge & Ground-Up — frequently asked.

What is a bridge loan?

A bridge loan is short-term, interest-only financing that lets an investor acquire or hold a property — at acquisition, auction, or before stabilization — while a longer-term plan comes together. Constructive's Bridge runs 12–18 months at up to 80% of as-is value, up to $2M, with cross-collateral available.

How is a bridge loan different from Fix & Flip?

Fix & Flip funds the purchase and a rehab budget for a residential value-add and is sized to after-repair value (ARV). Bridge is for acquisitions, auction purchases, and pre-stabilization holds where the plan is to season and transition the property — not primarily to fund construction.

Can I transition a bridge loan into long-term DSCR financing?

Yes. Bridge is built to roll into DSCR permanent financing once the property stabilizes — the same desk underwrites both, so the path from a short-term bridge to a long-term DSCR Rental loan stays in-house.

What's the difference between Bridge and Ground-Up?

Bridge is short-term financing on a stabilized or transitioning property. Ground-Up funds vertical construction from the ground or after a tear-down.

Is Fix & Flip part of RTL?

Yes — Fix & Flip lives in the same RTL family but has its own dedicated program page given its scale.