Atlanta - Seeking Private Lender: $200K Bridge Loan, 60% LTV, Strong Exit Strategy

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Atlanta - Seeking Private Lender: $200K Bridge Loan, 60% LTV, Strong Exit Strategy

Joseph Dennis
Member since 2026 · 8 posts · 6 votes

I'm seeking a private lender or hard money lender for a $200K bridge loan for 4-5 months.

THE DEAL:

Collateral:

  • Primary residence in Atlanta
  • Current value: $1,600,000
  • Existing debt: $755,000 (1st mortgage $605K + HELOC $150K)
  • Requested loan: $200,000
  • Total LTV: 60%
  • Equity cushion: $645,000

Borrower Profile:

  • Annual income: $300,000+ (stable consulting contracts - 15+ years)
  • Current net worth: $1.69M
  • Own 3 properties (primary + 2 investment properties)
  • Own established consulting business (The PM Group)
  • Experienced business owner

Purpose:

  • $125K: Wine bar build-out (Pour Intentions - opening March 2026)
  • $75K: Reserves

Exit Strategy:

  • $77,000 refunded for Tenant Improvement (Expected March 2026)
  • SBA 7(a) loan for $350,000 closing April-May 2026
  • Will pay off bridge loan immediately from SBA proceeds (guaranteed exit)
  • Backup HELOC refinance

Terms Sought:

  • Amount: $200,000
  • Term: 4-5 months
  • Rate: 10-12%
  • Points: 2-3
  • Payment: Interest-only monthly
  • Prepayment: No penalty

Timeline:

  • Ready to provide full documentation immediately
  • Can close in 15-20 days
  • All property docs, income verification, business plan available

Why This is Low Risk:

  • Overcollateralized (only 60% LTV vs typical 75%)
  • High, stable income (can service debt 10x over)
  • Multiple income streams
  • Guaranteed exit (SBA loan)
  • Short duration (4-5 months)
  • Experienced borrower

I'm looking for a private lender who understands asset-based lending and can move quickly. Happy to provide any additional information, documentation, or references.

If you're interested or can refer me to someone, please DM me or reply here.

4Reply
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7 Replies

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  • Reginald TrussPro Member
    Lender · Toledo, OH · Member since 2015 · 1k+ posts · 96 votes
    9mo

    Joseph — this is a clean, well-structured bridge request.

    60% total LTV on a $1.6M primary with a short 4–5 month duration is firmly in asset-based territory, not "hard money chaos."

    A few of my private capital partners look specifically for short-term, over-collateralized bridge scenarios like this, especially when there’s a defined SBA takeout.

    I’ll DM you to confirm a couple of structural points and see if this is a fit on both sides.

    0Reply
  • Steven Baum
    Member since 2025 · 146 posts · 4 votes
    9mo

    This is a very well-structure bridge loan request. I can definitely get you options that you might consider. Let's connect!

    Steven Baum (Loan Broker)
    📞 (208) 732-2326
    📧 [email protected]
    🌐 www.lilacfunding.com

    0Reply
  • Edgar Fernandez
    Member since 2026 · 10 posts · 0 votes
    8mo

    We can help. 

    Colorado & Georgia Fast-Track Program (Our Competitive Edge)

    • Funding Speed: 5-10 day close (CO & GA only)
    • Term Sheet: Within 24 hours
    • Loan Amounts: $250K - $2MM (Colorado), $500K minimum (out of state)
    • LTV: Up to 60-65% (based on property value or purchase price)
    • Term Length: 12-36+ months (up to 5 years available)
    • Interest: 12%+ interest-only payments
    • Credit Requirements: None - true asset-based lending
    • Documentation: Minimal - no tax returns, W-2s, or income verification required
    • Upfront Fees: $0 - no appraisals, application fees, or due diligence costs
    • Prepayment Penalties: None

    Property Types We Finance

    • Residential investment properties (non-owner occupied)
    • Multi-family
    • Commercial (retail, light industrial, mixed-use, office)
    • Condos & townhomes
    • Nightly rentals & ski properties
    • Agricultural properties/land
    • Special purpose properties
    • Note: Primary residences NOT eligible

    Loan Positions

    • First position liens
    • Second position liens (up to 55-60% combined LTV, $200K-$500K)

    National Program (Other 48 States)

    • Minimum Loan: $2MM
    • Timeline: 30-day close (vs. 60+ days with traditional banks)
    • Same competitive rates and terms

    Ideal Scenarios

    ✓ Bank denied due to credit issues
    ✓ Urgent closing timelines
    ✓ Property repositioning/renovation
    ✓ Bridge to long-term financing
    ✓ Multiple properties (portfolio owners)
    ✓ Foreign nationals
    ✓ Tax lien/judgment situations. Intake Form: https://www.acquirescaleandexit.com/rei-hard-money

    0Reply
  • Steven Baum
    Member since 2025 · 146 posts · 4 votes
    8mo

    I'd be happy to get you an estimate. Let's connect!

    (208) 732-2326
    [email protected]
    www.lilacfunding.com
    0Reply
  • Dylan Johnson
    Member since 2026 · 22 posts · 3 votes
    7mo

    Joseph, Park Place is a nationwide private lender with over $1 billion in closed loan volume since 2006. I responded late to this one, but if you have anything else currently, I'd be happy to work with you. Message me if you're interested.

    0Reply
  • Corinna Negron
    Member since 2026 · 129 posts · 21 votes
    7mo
    Quote from @Joseph Dennis:

    I'm seeking a private lender or hard money lender for a $200K bridge loan for 4-5 months.

    THE DEAL:

    Collateral:

    • Primary residence in Atlanta
    • Current value: $1,600,000
    • Existing debt: $755,000 (1st mortgage $605K + HELOC $150K)
    • Requested loan: $200,000
    • Total LTV: 60%
    • Equity cushion: $645,000

    Borrower Profile:

    • Annual income: $300,000+ (stable consulting contracts - 15+ years)
    • Current net worth: $1.69M
    • Own 3 properties (primary + 2 investment properties)
    • Own established consulting business (The PM Group)
    • Experienced business owner

    Purpose:

    • $125K: Wine bar build-out (Pour Intentions - opening March 2026)
    • $75K: Reserves

    Exit Strategy:

    • $77,000 refunded for Tenant Improvement (Expected March 2026)
    • SBA 7(a) loan for $350,000 closing April-May 2026
    • Will pay off bridge loan immediately from SBA proceeds (guaranteed exit)
    • Backup HELOC refinance

    Terms Sought:

    • Amount: $200,000
    • Term: 4-5 months
    • Rate: 10-12%
    • Points: 2-3
    • Payment: Interest-only monthly
    • Prepayment: No penalty

    Timeline:

    • Ready to provide full documentation immediately
    • Can close in 15-20 days
    • All property docs, income verification, business plan available

    Why This is Low Risk:

    • Overcollateralized (only 60% LTV vs typical 75%)
    • High, stable income (can service debt 10x over)
    • Multiple income streams
    • Guaranteed exit (SBA loan)
    • Short duration (4-5 months)
    • Experienced borrower

    I'm looking for a private lender who understands asset-based lending and can move quickly. Happy to provide any additional information, documentation, or references.

    If you're interested or can refer me to someone, please DM me or reply here.




    Strong equity position and clearly defined exit strategy. I may be open to reviewing this bridge request depending on lien structure, title review, and SBA timeline confirmation. Please send the full documentation package via private message for consideration.
    0Reply
  • Michael McCoy
    Lender · Hinton, WV · Member since 2026 · 20 posts · 0 votes
    7mo

    03/09/2026

    Dear ,Joseph Dennis

    As a savvy real estate investor you know the importance of having a ready source of investment capital. It is an ongoing challenge for even the most experienced of investors. This is where I can help.

    My name is Michael S. McCoy. I am an Independent Private Money Broker and I have access to the investment capital you want and need. I work directly with multiple lending sources to get you the best deal so you can focus your time and effort on your investments.

    I specialize in “fix & flip” funding, and also helping investors leverage their current free and clear or high equity investment property to reinvest through cross collateralization.

    Contact me today directly at 4802275033 or via email at [email protected] so I can help you with your investment capital needs. Or you can contact me by going to my website and filling out a contact form @ mandcip.com .

    Yours in Success,

    Michael S. McCoy

    Independent Private Money Broker

    PS. I can help with all of your investment capital needs. Just call me today and let’s talk about what we can do together.

    0Reply
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