How We Helped a Client Save His Investment Property with a Bridge Loan — and How We Can Help You Too

When time runs out, the right financing partner makes all the difference.

Recently, we helped a client in Los Angeles who was in a tough spot:
His investment property loan was maturing, the market was slow, and buyers weren't biting fast enough. He didn't want to panic-sell - but he also didn't want to default or lose the property he'd invested years into.

That's where Elixir Mortgage Lending stepped in - with a bridge loan solution designed to buy him time, keep him financially stable, and help him control the sale on his terms.

💡 The Situation

Our client owned a prime investment property but faced three big challenges:

1️⃣ A maturing loan deadline - The existing lender needed repayment within weeks.
2️⃣ A slow market - Property values were solid, but qualified buyers were taking longer to close.
3️⃣ Limited cash flow - He needed funds to cover holding costs (property taxes, insurance, upkeep) while waiting for the right buyer.

To make things trickier - he couldn't provide updated income verification, which meant traditional refinancing wasn't an option.

Time was running out… until he called Elixir Mortgage Lending.

🏦 The Elixir Solution: Bridge Loan with No Income Verification

We structured a custom Bridge Loan that:

✅ Paid off his maturing loan immediately, avoiding penalties or foreclosure risk.
✅ Provided cash-out funds for holding costs, giving him financial breathing room for up to 12 months.
✅ Required no income documentation - we based approval on property equity and market value.
✅ Closed fast, with minimal paperwork and clear communication throughout.

The result? He stayed in full control, gained the time he needed, and eventually sold the property at a higher price - without stress or financial strain.

🔍 How It Works - Step by Step

Here's how we help clients in similar situations across California and Florida every week:

Step 1: Quick Assessment

We review your property value, remaining loan balance, and goals.
💬 "Do you need to buy time to sell, refinance, or complete a project?"

Step 2: Fast Bridge Loan Pre-Approval

We tailor a loan structure based on your equity - not income verification.
Most approvals happen in 24 - 48 hours.

Step 3: Close and Pay Off the Maturing Loan

We handle the full payoff process, ensuring deadlines are met on time.

Step 4: Optional Cash-Out for Holding Costs

Need short-term liquidity while you market or fix up the property? We include it as part of the bridge loan.

Step 5: Sell or Refinance on Your Terms

Once the property sells (or rates improve), you can pay off the bridge loan and transition to your next investment easily.

❓ What Is a Bridge Loan and When Should You Consider One?

A Bridge Loan is short-term financing that helps you "bridge the gap" between selling one property and buying or refinancing another.

It's ideal for:

• Investors with maturing or balloon loans

  Verify my mortgage eligibility (Oct 28th, 2025)

• Homeowners selling one property before buying another

• Borrowers needing quick cash-out for repairs or holding costs

• Self-employed borrowers with fluctuating income

  Verify my mortgage eligibility (Oct 28th, 2025)

At Elixir Mortgage Lending, we specialize in no-income verification Bridge Loans, DSCR investor loans, and hard money solutions for both California and Florida borrowers.

🧭 What You Need to Know

💠 We fund up to 60 - 65% LTV on investment properties.
💠 1st, 2nd, or even 3rd liens considered (depending on equity).
💠 No income verification, minimal documentation required.
💠 Fast closings - often within 10 - 14 days.
💠 Available statewide in CA & FL.

🚀 Why Choose Elixir Mortgage Lending?

When traditional lenders say "no," we find a way to say "let's see what's possible."

✅ Local expertise - we know the California & Florida investor markets inside-out.
✅ Investor-friendly loan programs - designed for flexibility and speed.
✅ Transparent process - no surprises, no runaround, just solutions.

🏁 The Outcome

Our client sold his property six months later for a higher profit, covered all carrying costs easily, and thanked us for "rescuing" a time-sensitive deal that other lenders wouldn't touch.

That's what we do every day - turning "no way" into "let's make it happen."

✨ How We Can Help You

If your property loan is maturing, or if you just need temporary capital to hold, fix, or reposition your investment - let's talk.

📍 Serving California & Florida
📞 800.558.0496 | ElixirMortgageLending.com
NMLS# 1704105 | BRE# 01901050

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