Loan programs Business-purpose only
Short-term bridge capital for the work you are about to do, and 30-year rental loans against the rent a property already collects. Same underwriter, same phone number, and usually an answer the same day.
No credit pull to get a number. No fee to apply.
Programs
One is short-term money against the work you are about to do. The other is long-term money against the rent it already collects. Pricing, underwriting, and servicing are the same desk either way.
Program 01 · Bridge
Interest-only capital that carries a property from the closing table to the sale sign — purchase and rehab in one loan.
Best for
Program 02 · DSCR
Long-term financing that qualifies on the property's own cash flow, so the paperwork stops at the lease and the appraisal.
Best for
Figures shown are illustrative and are not an offer, a quote, or a commitment to lend. Leverage, rate, and term are set by appraisal or in-house valuation, credit approval, liquidity, experience, property type, and market. Advertised rates reflect the lowest rates offered to the most qualified borrowers. Not available in all states.
Not sure?
Answer the way the deal actually works, not the way you would like it to price. Both answers point at real terms.
What is the plan for the property?
How long do you need the money?
Nothing is submitted and no credit is pulled — this only points you at the right set of terms.
Your match
Two questions is all it takes. Or skip ahead and read the terms yourself — both programs are one click away.
Your match
Buy, renovate, sell. A short-term interest-only loan funds the purchase and the whole approved rehab budget, and it is repaid the day the property closes.
Your match
A sale is a short-term exit even when the timeline slips, so this is still bridge money. Terms run 12 to 24 months with no prepayment penalty, and if you decide to keep the property instead, it refinances into our rental loan.
Your match
Renovate on the bridge loan, lease it up, then refinance into the 30-year rental loan. Because we hold both sides in-house, that refinance is rate-and-term with no seasoning wait.
Your match
A 30-year note underwritten to the rent the property collects rather than to your tax returns. Purchase, rate-and-term, cash-out, or a whole portfolio under one blanket loan.
Questions
If you are buying a property to renovate and sell, that is a fix and flip bridge loan — short-term, interest-only money against the purchase price and the rehab budget. If you are buying or refinancing a property to hold and rent, that is a DSCR rental loan — a 30-year note that qualifies on the rent the property collects. If you plan to renovate and then keep it, you will usually use both: the bridge loan first, then a refinance into the rental loan once it is leased.
Yes, and we do it often. Because we hold both sides in-house, a refinance out of a Riva bridge loan into a Riva DSCR rental loan is treated as a rate-and-term refinance with no seasoning requirement, so you are not waiting six months to take the long-term note. Same underwriter, one set of entity documents, and the rental loan can be lined up before the rehab is even finished.
Non-owner-occupied residential investment property: single-family rentals, 2–4 unit, condos, townhomes and PUDs, plus 5–8 unit multifamily and portfolios of 2 to 20 doors on the rental side. We do not lend on owner-occupied homes or second homes. Every loan is business-purpose credit closed in an LLC or corporation with a personal guarantee.
Connecticut is home — Old Saybrook, the shoreline, Middlesex and New London counties, Hartford, New Haven and Fairfield County. We lend across the Northeast in Rhode Island, Massachusetts, New York, New Jersey, New Hampshire, Vermont and Maine, and we will look at a strong sponsor with the right collateral beyond the region. Availability varies by state and property type — ask us about yours.
First-time flippers are welcome on the bridge side — experience and credit affect your pricing and leverage rather than your eligibility. Rental loans do carry credit minimums that vary by scenario, starting at 660 for a purchase or a rate-and-term refinance. Neither program asks for tax returns, W-2s, or pay stubs.
Still deciding between the two? The full FAQ covers qualifying, costs, documents and closing in one place. Read the full FAQ
Riva Lending originates business-purpose loans secured by non-owner-occupied real estate; we are not a consumer lender and do not lend on owner-occupied property. Nothing on this page constitutes a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting, valuation, title review, and execution of definitive loan documents. Rates, points, leverage, and terms vary by borrower credit, experience, liquidity, loan-to-cost, loan-to-ARV, property type, and market, and are subject to change without notice. Not available in all states.
Next step
Run the estimator for indicative pricing on either program, or send us an address and a budget and get a real answer the same day. A person answers, and they can say yes.
Or reach us directly — (860) 303-7968 · info@rivalending.com