Bridge Choice is a fast, flexible long-term rental loan for real estate investors, offering 80% LTV, DSCR down to 0.80x, and 30-40 year fixed terms. With loan amounts up to $2M, FICO 660+, and eligibility for SFRs, 2–4 units, condos, and condotels, it’s ideal for purchase or cash-out deals. No experience required—quick approvals and smooth closings built for investors.
Bridge Choice
Borrower & Guarantor Application (valid 12 months)
Property Application (1 per property)
Purchase Contract / HUD Statement
ID Copy
Broker Authorization (if applicable)
Borrower & Guarantor Application (valid 12 months)
Condo Questionnaire (FNMA 1076)
Insurance Declarations / Acord Form
Entity Documents (LLC, LP, Corp)
Lease Agreements (Bridge Choice)
Trentium lends across a growing footprint of states nationwide, with select licensing and prepayment restrictions.
Use the interactive map on this page to see where Bridge Choice is currently available and any state- or program-specific limitations. If your state isn’t highlighted yet, reach out — we may still be able to review your scenario.
Tell us about your deal and we’ll estimate your terms for you.
Bridge Choice is a hybrid bridge + long-term rental loan designed for investors who want bridge-level flexibility with permanent-style financing.
It combines DSCR-based underwriting with 30- or 40-year fixed terms, allowing you to acquire, refinance, or stabilize a property without needing to refinance again later.
Unlike short-term bridge loans that mature in 12–24 months, Bridge Choice offers:
It’s designed for investors who want to bridge today and hold tomorrow.
Bridge Choice is ideal for:
It’s especially useful when you want speed now without locking yourself into short-term risk.
Bridge Choice offers flexible long-term options:
These structures help improve cash flow and lower monthly payments.
Bridge Choice typically requires a minimum DSCR of 0.80x, depending on the deal profile.
This allows properties that are still stabilizing or slightly below break-even to qualify.
Bridge Choice supports strong leverage for rental properties:
Final leverage depends on DSCR, property type, and borrower profile.
Bridge Choice loan sizes range from:
Larger or more complex scenarios may be reviewed individually.
Bridge Choice typically requires:
Because approval is cash-flow-driven, credit requirements are more flexible than bank loans.
No.
Bridge Choice does not require prior investment or rehab experience, making it accessible to both seasoned investors and newer operators with strong rental fundamentals.
Bridge Choice allows:
This flexibility makes Bridge Choice easier to deploy than entity-only bridge products.
Bridge Choice supports a wide range of rental assets:
Owner-occupied, rural, mixed-use, commercial, or land-only properties are not eligible.
Most Bridge Choice loans close in 2–3 weeks, depending on appraisal and documentation timing.
Because underwriting is DSCR-based, approvals are often faster than traditional bank loans.
No.
Bridge Choice has zero prepayment penalty, allowing you to refinance, sell, or restructure at any time without added cost.
Bridge Choice uses simplified documentation, typically requiring:
No tax returns or income verification required.
All Bridge Choice loans require:
Yes.
Bridge Choice is commonly used as a rehab-to-hold or bridge-to-rent solution, allowing investors to skip a second refinance and lock in long-term debt once the property is stabilized.
Bridge Choice is available in most U.S. states, with select licensing or program restrictions.
Availability should be confirmed using the state map or by speaking with a Trentium specialist.
To receive a Bridge Choice quote, provide:
Estimated rent or DSCR
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Loans from
$500K-$3MM
Loan to value
up to 65%
Loan to cost
up to 85%
Up to 24-month term
with extension options
