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San Leandro moves fast. When a good property hits the market, waiting on your current home to sell is a real risk.
A bridge loan gives you short-term cash to buy now. You repay it once your existing property sells.
6–12 Months
Typical Loan Term
Equity + Exit Plan
Approval Basis
Non-QM
Loan Classification
Typically Fixed
Rate Type
Bridge Loans in San Leandro
Bridge loans are Non-QM products. That means no standard debt-to-income box to fit into.
Lenders focus on your equity position and exit strategy — not your pay stubs. Strong equity in your current home is the key.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in San Leandro.
San Leandro moves fast. When a good property hits the market, waiting on your current home to sell is a real risk.
A bridge loan gives you short-term cash to buy now. You repay it once your existing property sells.
Bridge loans are Non-QM products. That means no standard debt-to-income box to fit into.
Most retail banks don't offer bridge loans. This is wholesale and private lender territory.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find bridge programs most banks won't even show you.
The biggest mistake I see: borrowers underestimate how fast they need to close. Bridge loans are built for speed.
Your exit plan matters as much as your credit. Know your target list price and timeline before you apply.
Hard money loans are close cousins to bridge loans — both are short-term and asset-based. Bridge loans typically carry lower rates than hard money.
Interest-only loans offer lower payments but require you to qualify conventionally. A bridge loan skips that requirement entirely.
San Leandro sits between Oakland and Hayward. Properties here move quickly across multiple price points.
Sellers in this market don't wait for contingent buyers. A bridge loan lets you make a clean, non-contingent offer.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your exit strategy supports it.
No. That's the point. You use equity from your current home to fund the new purchase before selling.
They're different, not harder. Approval hinges on your equity and exit plan — not traditional income ratios.
Yes. Bridge loans work for both primary residences and investment properties. Lender terms vary by use case.
You'll need a plan B — either an extension or a refinance into a longer-term product. Discuss this upfront.