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McFarland sits in the heart of Kern County's ag corridor. Properties here move on agricultural cycles and local opportunity — not Bay Area timelines.
A bridge loan lets you buy your next property before your current one closes. That speed matters when the right deal appears in a tight local market.
6–24 Months
Typical Loan Term
20–30% in Property
Min Equity Needed
Non-QM
Loan Type
10–21 Days
Est. Close Time
620+
Typical Min Credit
Bridge Loans in McFarland
Bridge loans are non-QM products. Lenders care more about your equity and exit strategy than your tax returns.
Most lenders want at least 20–30% equity in your departing property. Strong equity is your approval engine here.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in McFarland.
McFarland sits in the heart of Kern County's ag corridor. Properties here move on agricultural cycles and local opportunity — not Bay Area timelines.
A bridge loan lets you buy your next property before your current one closes. That speed matters when the right deal appears in a tight local market.
Bridge loans are non-QM products. Lenders care more about your equity and exit strategy than your tax returns.
Banks rarely offer bridge loans. This product lives in the wholesale and private lending space — which is exactly where we operate.
At SRK CAPITAL, we have access to 200+ wholesale lenders. We can match your McFarland deal with lenders who actually close bridge loans fast.
The mistake most borrowers make: waiting to list before shopping for their next property. By then, the deal is gone.
Bridge loans are built for that gap. Use your current home's equity as the down payment on the next purchase. Then sell at your pace.
Hard money loans are the closest cousin to bridge loans. Both are short-term. But bridge loans typically have lower rates and less points when your equity is strong.
If your deal involves major rehab, a construction loan may fit better. Bridge loans work best when the asset is ready to sell or rent now.
McFarland's real estate is tied to agriculture, local employment, and Kern County's broader economic base. Properties don't always appraise the way lenders expect.
We know how to position McFarland deals. The right lender values the equity — not just the zip code. That's where our network makes the difference.
Most bridge loans run 6 to 24 months. That gives you time to sell your current property and repay the loan without pressure.
No — that's the point. You qualify based on equity in your current property. The sale happens after you've already bought your next one.
Requirements vary by lender. Most want at least a 620, but strong equity can offset a lower score with certain wholesale lenders.
Yes, but lender appetite varies. We work with specialty lenders who understand Kern County's ag market and rural property values.
You'll need a clear exit plan before closing. Options include a sale, refinance into long-term financing, or an extension with the lender.
Faster than conventional — often 10 to 21 days with the right lender. Speed depends on your documentation and equity position.