Loan Programs

Financing built for real estate investors

Fix-and-flip, rental, bridge and time-sensitive investment purchases — structured around the asset, the plan and the timeline.

Programs

Loan options for growth

Built for active investors who value speed and dependable execution.

Fix & Flip Loans

Short-term financing for acquisition and renovation on value-add investment properties, structured for fast closings and practical draw schedules.

  • Distressed single-family acquisition with a full cosmetic renovation
  • Auction or off-market purchase requiring a compressed closing timeline
  • Value-add project where rehab dollars need to be financed alongside purchase
  • Rehab-to-refinance projects transitioning into a long-term hold
View Program

Rental Property Loans

Financing for single-family and small multifamily rentals — acquire or refinance assets you intend to hold for the long term.

  • Purchasing a stabilized single-family rental
  • Refinancing a completed BRRRR project out of short-term financing
  • Acquiring small multifamily assets (typically 2–4 units)
View Program

Bridge Financing

Interim capital for time-sensitive acquisitions, property stabilization, or transitions between financing stages.

  • Time-sensitive acquisition with a hard closing deadline
  • Stabilizing a property before permanent financing
  • Bridging a timing gap between a sale and a purchase
View Program

Investor Purchase Loans

Flexible acquisition financing for investment properties where speed, certainty and asset-focused underwriting matter most.

  • Off-market acquisition requiring certainty of execution
  • Non-owner-occupied purchase that falls outside conventional guidelines
  • Portfolio additions where speed is the deciding factor
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How It Works

From Deal to Closing

Four steps from first conversation to funded capital.

  1. 01

    Share Your Deal

    Property, requested financing, project scope, timeline and exit strategy.

  2. 02

    Review Options

    Bear City Capital evaluates the opportunity and potential financing structures.

  3. 03

    Complete Underwriting

    Provide borrower and property documentation so the file can move efficiently.

  4. 04

    Close and Execute

    Complete closing and put the capital to work on the project.

FAQ

Questions Investors Ask

Not covered here? Send the deal in — specifics are best answered against real numbers.

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Get Started

Your Next Deal Starts With the Right Capital.

Tell us what you're working on and we'll talk through your financing options.

Subject to underwriting and program eligibility. Non-owner-occupied investment property only.

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