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Dos Palos sits in the heart of Merced County's agricultural corridor. Properties here move at their own pace — and timing mismatches between buying and selling are common.
A bridge loan gives you short-term cash to close on a new property before your current one sells. It's not a conventional product — it's a tool for specific situations.
6–12 Months
Typical Loan Term
20–30% Min
Equity Needed
Non-QM
Loan Classification
Asset-Based
Underwriting Focus
Bridge Loans in Dos Palos
Bridge loans are non-QM. That means lenders skip the standard debt-to-income rules. They're underwriting the deal, not just your pay stubs.
Expect lenders to look hard at your equity position in the departing property. Strong equity — typically 20–30% — is what makes bridge deals work.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Dos Palos.
Dos Palos sits in the heart of Merced County's agricultural corridor. Properties here move at their own pace — and timing mismatches between buying and selling are common.
A bridge loan gives you short-term cash to close on a new property before your current one sells. It's not a conventional product — it's a tool for specific situations.
Bridge loans are non-QM. That means lenders skip the standard debt-to-income rules. They're underwriting the deal, not just your pay stubs.
Most retail banks don't offer bridge loans. You'll find them through portfolio lenders, private money sources, and specialty non-QM shops.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in short-term bridge products that fit rural California markets like Dos Palos.
The deals I see fall apart when borrowers underestimate carrying costs. You're paying two mortgages — even briefly. Model that before you commit.
Your exit strategy has to be airtight. Is your current home listed? Priced right? Lenders in Merced County deals want answers, not assumptions.
Hard money loans are the closest alternative. They're also short-term and asset-based, but often carry higher rates and fees than bridge products.
If your timeline is longer or your project involves construction, a construction loan or investor loan may be a better fit than a bridge.
Dos Palos is a small market. Properties here can take longer to sell than in Fresno or Modesto, which extends your bridge loan exposure.
Ag-related property types — ranchettes, rural parcels — may face tighter lending criteria. Not every lender will touch them. We know which ones will.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months for rural markets where selling takes longer.
No — that's the point. Bridge loans let you buy before you sell. But your current home usually needs substantial equity.
Some specialty lenders will do it. Standard bridge lenders often won't. Rates vary by borrower profile and market conditions.
You'll need to refinance or pay off the bridge loan. Have a backup plan — lenders will ask you to demonstrate one upfront.
Yes, typically. Bridge loans are short-term and higher-risk by design. Rates vary by borrower profile and market conditions.
They're similar but not identical. Bridge loans usually have lower rates and stricter equity requirements than hard money.