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Bridge Loan Washington DC

Last Updated: May 2, 2025

At OfferMarket, we’re all about helping you unlock long-term wealth through smart, strategic real estate investments. For investors focusing on Washington DC’s dynamic neighborhoods—from rowhomes in Capitol Hill to rentals in Deanwood—our platform delivers the tools you need to succeed:

💰 Direct private lending
☂️ Competitive insurance rate shopping
🏚️ Access to exclusive off-market properties

Our Bridge Loan program is your fast-track to purchasing and rehabbing 1-4 unit residential properties across the District. Whether your game plan is to flip for profit or to hold, rent, and refi into a DSCR loan, OfferMarket is ready to be your lending partner.

Let’s dig into how the OfferMarket Bridge Loan works for real estate investors in Washington DC.

What Is a Bridge Loan?

A bridge loan is a short-term funding solution that gives investors fast, interim capital—an essential tool in a high-stakes real estate market like DC’s. It fills the gap between acquisition and long-term financing or sale.

When Do DC Investors Use Bridge Loans?

In a city where speed and timing are critical, here’s how local investors leverage bridge loans:

  • Snapping up undervalued rowhomes or condos to renovate and flip

  • Tapping equity from a quick cash buy in Petworth to fund rehab

  • Paying off an existing loan while continuing renovations on a Bloomingdale property

  • Acquiring off-market assets in NE DC to resell without rehab

  • Repositioning properties by refinancing all-cash purchases for liquidity

  • Taking advantage of completed rehabs by refinancing instead of selling—keeping doors open

In the real estate investor’s world, “bridge loan,” “hard money loan,” and “fix and flip loan” are often used interchangeably. Call it what you will—this tool is built for speed, flexibility, and impact.

How It Works

Bridge loans consist of two parts:

  • Initial Advance – Funds allocated toward your purchase price. This is wired to your title company at closing.
  • Construction Holdback – Reserved rehab budget, disbursed to you via draw requests after work is verified.

Fix and Flip Loan Components, Cost Basis = Purchase Price + Rehab Budget, Total Loan Amount = Initial Advance + Construction Holdback, Down Payment, ARV

In practice, most DC investors use both components to reduce their upfront cash outlay. But you don’t have to. Want only the rehab funds? That’s fine. Just need purchase money? Also doable. You’re in the driver’s seat.

Whether you're restoring a Mount Pleasant townhome or rehabbing a Columbia Heights triplex, bridge loans empower you to move faster than the market.

Your plan might be to flip. Or maybe BRRRR (Buy, Rehab, Rent, Refinance, Repeat). But sometimes the market shifts—rents rise, resale demand drops, or vice versa. That’s why bridge loans work well in DC, where markets like Brookland and Trinidad can change rapidly.

Example scenarios:

  • You planned to BRRRR a property in Hillcrest, but selling now nets a better return.

  • You intended to flip in Brightwood, but market cooling makes a short-term rental play smarter.

Having a dual-exit strategy makes your investment more resilient. Our loan terms are structured to support that kind of flexible thinking.

Who Uses Bridge Loans in Washington DC?

From experienced flippers in Petworth to first-time BRRRR investors eyeing opportunities in Congress Heights, bridge loans are a popular weapon in the local investor’s toolkit.

Who benefits most?

  • Fix and flip investors – Those targeting value-add properties for resale profit

  • Buy-and-hold investors – Leveraging BRRRR to build long-term rental portfolios

(**) Pro tip: Our Fix and Rent bundle combines a bridge loan with a discounted DSCR refinance, giving DC investors smoother transitions from rehab to rental.

Many of our DC-based clients blend strategies. One month they’re flipping in Eckington; the next, they’re renting out in Deanwood. That’s the flexibility bridge loans allow—and the smart play in a mixed market like the District.

Bridge Loan Program Guidelines

Criteria Guideline
Loan amount (minimum) $25,000
Loan amount (maximum) $2,000,000
ARV (minimum) $100,000
Experience Not required
Credit score (minimum) 680
Borrowing entity LLC or Corporation
Initial advance Up to 90%
Construction holdback Up to 100%
LTARV (maximum) 75%
Interest rate Get instant quote
Origination fee 1.5 to 2 points
Term 12 to 24 months
Points out None
Prepayment penalty None
Structure Interest-only with balloon payment
Recourse Full (51% of entity must guarantee)
Exit strategy: Sale Minimum 30% ROI
Exit strategy: Refinance Minimum 1.1 DSCR after repairs
Valuation Appraisal or in-house valuation
SqFt (minimum) SFH: 700+, 2-4 unit: 500+ per unit, Condo: 500+
Acreage (maximum) 5
Interest accrual Under $100K loan: full boat; $100K+ loan: as disbursed
Advanced draws Lender discretion
Down payment (minimum) $10,000

These guidelines support both new and seasoned investors, whether you’re fixing up a Takoma Park duplex or refinancing an all-cash purchase near Shaw.

Project Eligibility

DC’s market is full of opportunity—but risk management matters. OfferMarket has a sub-0.5% foreclosure rate across all loans issued, and we aim to keep it that way by funding smart, realistic deals.

Projects with steep rehabs and minimal investor experience often run into delays, surprises, and budget overruns. This is especially true in DC, where permitting can vary dramatically between Wards.

We’re your partner in more than just capital. We help assess risk and feasibility, ensuring your project is positioned to succeed.

Initial Advance

The size of your initial advance hinges on experience, credit, and deal specifics.

We review:

  • Investment property ownership in the past 24 months

  • Similar verified rehab projects over the past 5 years

  • Guarantor credit score (680 minimum, 720+ preferred)

In high-cost zones like DC, we also focus on valuation accuracy. If your purchase price is higher than the As Is valuation, your loan will be based on the lower figure.

Exit strategy matters too:

  • Flips must target a minimum projected profit of $15,000 and 30% ROI

  • Rent-refinance projects must show a DSCR of at least 1.1 post-rehab

Rural designation limits do not apply in Washington DC, so urban projects get full consideration.

Experience-Based Tiers

Tier Verifiable experience
1 0
2 1 to 2
3 3 to 4
4 5 to 9
5 10+

These tiers help us calibrate risk and tailor leverage. Whether you’ve flipped dozens of rowhomes or just getting started in Woodridge, your track record plays a role in loan terms.

Initial Advance by Tier

Tier Verifiable experience
1 0
2 1 to 2
3 3 to 4
4 5 to 9
5 10+

(*) Borrowers in Tier 1 may qualify for 85% with excellent credit and strong liquidity.

Adjustments to Initial Advance

Scenario Adjustment
Credit score < 720 -5%
Full gut rehab -5%
New market -5%
Licensed Realtor +5%
Licensed GC +10%
Licensed PE +10%
Rural -20% (3+ experience required)

In DC, being a licensed contractor or Realtor can boost your leverage—helping you stay competitive in this tight housing market.

Rehab Scope Classification

Rehab Scope Definition
Light Rehab budget < 25% of purchase price
Moderate 25%–49.99% of purchase price
Heavy 50%–99.99% of purchase price
Extensive 100%+ of purchase price (e.g. additions, ADUs, or extreme undervalue)

In the District, where properties vary from neglected historic shells to turn-key rehabs, it’s critical to accurately scope your project. We support all levels—provided the experience and planning back it up.

Rehab Scope Eligibility

Rehab Scope Definition
Light Rehab budget < 25% of purchase price
Moderate 25%–49.99% of purchase price
Heavy 50%–99.99% of purchase price
Extensive 100%+ of purchase price (e.g. additions, ADUs, or extreme undervalue)

Even if you’re tackling a full rebuild on a detached home in Riggs Park, we’ve got the tools to finance it—as long as your tier aligns.

LTARV Limits

Your maximum Loan-To-After-Repair Value (LTARV) is determined by your experience tier and the scale of your renovation.

Tier 1 2 3 4 5
Experience 0 1-2 3-4 5-9 10+
Light 70% 70% 75% 75% 75%
Moderate Ineligible 70% 75% 75%< 75%
Heavy Ineligible 70% 75% 75%< 75%
Extensive Ineligible Ineligible 70% 70% 70%

In a fast-appreciating market like DC, having access to the full 75% LTARV gives investors powerful leverage—especially when bidding on competitive properties.

LTFC Limits

For projects where the rehab budget exceeds the purchase price—common in DC’s heavily distressed neighborhoods—Loan-To-Full-Cost (LTFC) limits apply.

Tier 1 2 3 4 5
Experience 0 1-2 3-4 5-9 10+
Light N/A N/A N/A N/A N/A
Moderate Ineligible N/A N/A N/A< N/A
Heavy Ineligible N/A N/A N/A< N/A
Extensive Ineligible Ineligible 85% 90% 90%

This structure ensures high-risk projects—like major conversions in Trinidad or Deanwood—are backed by serious experience and financial skin in the game.

Example: No Experience

Purchase price: $100,000
Tier: 1
Credit score: 695
Rehab budget: $24,000
ARV: $150,000

  • Initial advance: $75,000 (75%)

  • Construction holdback: $24,000

  • Total loan: $99,000

  • LTARV: 66%

  • LTFC: 79.8%

  • Interest accrual: Full boat

Example: No Experience, Excellent Credit

Purchase price: $100,000
Tier: 1
Credit score: 750
Rehab budget: $24,000
ARV: $150,000

  • Initial advance: $80,000 (80%)

  • Construction holdback: $24,000

  • Total loan: $104,000

  • LTARV: 69.33%

  • LTFC: 83.9%

  • Interest accrual: As disbursed

Example: 5 Experience

Purchase price: $100,000
Tier: 4
Credit score: 750
Rehab budget: $20,000
ARV: $150,000

  • Initial advance: $90,000 (90%)

  • Construction holdback: $20,000

  • Total loan: $110,000

  • LTARV: 73.33%

  • LTFC: 91.67%

  • Interest accrual: As disbursed

Refinance Using As Is Value Instead of Cost Basis for Initial Advance

For seasoned DC investors who bought years ago and are now ready to reposition assets, we offer flexibility when the As Is value exceeds your cost basis.

Requirements include:

  • Property must be habitable (C4 condition or better)

  • Must be seasoned 3+ years

  • Credit score 680+

  • Experience Tier 3+

  • Strong comps backing current value

If, for example, a Columbia Heights duplex has appreciated substantially since acquisition and you now plan to renovate before listing, we’ll consider As Is value as the base for funding.

Transactions Involving Wholesalers, Price Run-Ups

DC’s investor market is full of wholesalers and assignment deals. We allow up to a 20% markup on the original purchase price (A-B) when working with wholesalers.

Example:
A-B contract (owner to wholesaler): $100,000
B-C contract (assignment): $125,000
As Is value: $125,000
Advance basis: $120,000

Just be prepared to show full contract chains, assignments, and the wholesaler’s operating agreement. MLS-listed flips and excessive markups may not qualify.

Construction Holdback

Funds for your rehab work in DC are reimbursed via draw requests after confirmed progress.

Criteria Guideline
Minimum draw amount None
Max draw 100% of remaining holdback
Draw inspection Self-serve (app-based)
Draw fee $270
Wire fee $30
Materials not installed 50% reimbursed (receipt required)
Draw processing 0–2 business days

If you're rehabbing a DC rowhome and floating rehab costs yourself, you can choose to skip the construction holdback altogether.

Appraisal and In-House Valuation

All DC bridge loans require a valuation. Depending on the deal, we’ll either order an appraisal or use our in-house evaluation process.

In-House Valuation

  • Available for SFH, Duplex, Triplex, Quadplex

  • Credit score 720+

  • Experience Tier 4+

  • Urban only (not available for rural areas—no issue in DC)

We may still require third-party appraisal if the property doesn’t meet these criteria.

Exterior and Interior Appraisals

We accept exterior appraisals in scenarios like:

  • REO or foreclosure

  • Online or sheriff's sale

  • Bankruptcy proceedings

All other deals in DC will require a full interior appraisal. We handle ordering through an AMC, and you’ll just need to pay the invoice.

Property Type Form Required
Single family 1004 + 1007 (ARV + As Is)
2-4 unit 1025 + 216
Condo 1073 + 1007

These valuations give us—and you—a reliable roadmap for financing and post-rehab projections.

Scenario: Stabilized Bridge Loan

If your DC property is already in solid shape—think condition rating of C4 or better—you may qualify for a stabilized bridge loan, which is underwritten based on its current As Is value.

Criteria Guideline
LTV (maximum) Tier 1: 70%
Tier 2: 70%
Tier 3–5: 75%
LTFC (maximum) Tier 1–2: 80%
Tier 3–5: 90%
Appraisal condition rating C1, C2, C3, or C4
Loan Term (maximum) 12 months

This option is ideal if your DC property doesn’t need major rehab—just a holding period before listing or refinancing.

Key Loan Details

Criteria Details
Loan Amount $25,000 to $2,000,000
Units per Property 1 – 4
Eligible Property Types Non-owner occupied residential (SFH, 2–4 unit, townhomes, condos)
Minimum Property Size SFH: ≥700 sq ft
Condos/2–4 unit: ≥500 sq ft per unit
Max Acreage 5 acres
Loan to Cost Up to 90% purchase, 100% rehab
LTARV Up to 75%
Down Payment $10,000 minimum for deals under $100K
Loan Term 12 months standard; 18–24 months for select deals
Extensions Up to 50% of original term
Points 1.5–2 (min $2,000)
Prepayment Penalty None
Occupancy Non-owner, business purpose only
Transaction Types Arms-length purchase, refinance
Geographic Coverage All states except AK, AZ, HI, MN, ND, NV, OR, SD, UT, VT
Amortization Interest-only with balloon
Interest Accrual Loans < $100K: Full Boat
Loans ≥ $100K: As Disbursed

This structure is perfect for navigating fast-paced neighborhoods like Petworth or Columbia Heights.

Extensions

Most DC bridge loans are paid off in under 12 months—but sometimes delays happen. We allow extensions, but encourage early planning to avoid them.

To avoid needing an extension:

  • Work with trusted general contractors

  • Avoid aggressive rehab scopes without experience

  • Steer clear of properties with tenant or eviction issues

  • Ensure zoning and permitting timelines are realistic

  • Always have a dual exit strategy (flip or rent-refi)

Extension Limits

Extensions are granted up to 50% of your original loan term and can be structured in 3- or 6-month increments.

Initial Loan Term Max Extension
12 months 6 months
18 months 9 months
24 months 12 months

Keep in mind—extensions come with additional fees and interest, so they’re best treated as a backup plan, not part of your baseline strategy.

Extension Terms and Fees

Extension Term Fee
3 months (1st request) 1% of total loan amount
3 months (2nd request) 1.5% of total loan amount
6 months (1st request) 2.5% of total loan amount

Also, don’t forget—you’ll need to confirm that your builder’s risk insurance policy remains active through your new maturity date.

Ineligible Property Types

Some properties don’t qualify for this program. The following are not eligible for bridge loan financing in DC or elsewhere:

  • Mixed-use

  • 5+ unit multifamily

  • Co-ops and condotels

  • Manufactured/mobile homes

  • Commercial properties

  • Cabins or log homes

  • Properties with oil/gas leases

  • Operating farms, orchards, ranches

  • Short-term vacation rentals

  • Exotic or luxury residences

  • Homes on unpaved or dirt roads

If your project includes any of the above, let’s explore alternative loan programs tailored for those use cases.

Exception Scenarios

Some DC projects might fall outside standard guidelines—but we’re open to exceptions when risk is managed appropriately.

These include:

  • Guarantor credit score of 660–679

  • Leasehold properties (ground rent)

  • Homes between 500–699 sq ft (SFH) or 400–499 sq ft per unit (2–4 unit)

  • Initial advance based on As Is value > cost basis

  • Non-arm’s-length transactions

  • Financed interest payments

These exception cases are reviewed on a case-by-case basis. If your deal’s unconventional, reach out—we may still be able to structure it.

Borrower and Guarantor Requirements

To qualify for a bridge loan in DC, here’s what you’ll need:

Item Requirements
Borrowing Entities Must be an LLC or Corporation (nonprofits not eligible)
Eligible Borrowers US Citizens, Permanent Residents, approved Foreign Nationals
Foreign Nationals Valid Passport & Visa (excludes travel/student), US FICO required
Credit Score Minimum 680 (exceptions for 660–679 with conditions)
Credit Report Tri-Merge, not older than 120 days
Liquidity Cash to close + 25% of rehab budget across all guarantors
Guaranty Purchase: 51% of entity must guarantee
Cash-out refi: 100% must guarantee
Net Worth Guarantor(s) must have net worth ≥ 50% of loan amount
Interest Reserve Based on credit profile (see next section)

Liquidity Verification

DC deals move quickly, and we need to confirm your financial capacity to execute. That includes verifying enough liquidity for your down payment and a buffer.

Acceptable liquid assets:

  • Bank accounts (personal or business)

  • Brokerage accounts

  • Retirement accounts (50% haircut applied)

Verification process:

  • Submit your 2 most recent statements

  • No account seasoning required

  • New accounts are allowed

  • Provide letter of explanation (LOE) for large deposits

No need to transfer funds—just show you have them. This approach keeps underwriting fast and friction-free.

Credit and Background Items

Your credit history helps determine reserves and eligibility. Here’s how we assess it:

  • 3 scores? We use the middle

  • 2 scores? We use the lower

  • <5 tradelines? 6 months of reserves required

  • No mortgage tradelines? 6 months of reserves required

  • Bankruptcy or foreclosure in past 4–7 years? 3 months reserves

  • Late mortgage payments in past 12 months? LOE required

  • Unpaid tradelines, liens, or judgments? Must be settled before funding

  • Pending lawsuits? Reviewed case-by-case

  • Financial or serious criminal history? Not eligible

This structure ensures transparency while protecting borrowers and lenders from undue risk.

Interest Reserves

Interest reserves are pre-funded interest payments collected at closing and held in escrow. These funds are drawn down monthly before you’re required to make any out-of-pocket payments.

Interest Reserve Scenario
0 month Lender discretion
1 month Guarantor FICO 700+
3 months Guarantor FICO 660–699
6 months FICO 660–699 and background or credit concerns

For DC investors managing multiple projects at once, interest reserves can offer welcome breathing room on cash flow during the initial rehab period.

Financed Interest Payments

To protect your liquidity during intensive renovations in DC, you may be eligible for financed interest payments—meaning monthly interest is deferred and added to your payoff statement.

Example:

  • Loan: $100,000

  • Interest Rate: 12%

  • Term: 9 months

  • Accrued Interest: $9,000

  • Payoff: $109,000

This option is popular with investors working on capital-intensive rehabs who want to keep more cash on hand for labor, materials, and permits.

Property Sourcing Guidelines

Whether you’re buying in Park View or Brookland, clear documentation helps speed up loan processing.

Key points:

  • New market deals require a GC agreement or LOE if self-managing

  • Wholesaler deals or big markups need added review

  • Large reno jobs or condo conversions may need architectural plans or permits

  • Required docs include contracts, HUDs, payoff letters, rehab scope, and track record

We streamline all document uploads via our secure Loan File system—making it easier to go from offer to close.

Bridge Loan Insurance Guidelines

Bridge loan insurance—often called Builder’s Risk or Fix and Flip insurance—is required to protect your property during the term of your loan.

Coverage Type Limit Required?
Dwelling Replacement cost or loan amount Yes
Liability $1M per occurrence / $2M aggregate Yes
Builder’s Risk Included Yes
Flood Greater of $250K or loan amount (if in FEMA SFHA) Conditional
Policy Requirements
AM Best rating: A- VIII or higher
Special form coverage
Deductible: $1,000–$5,000
No wind/hail/named storm exclusions
Lender named as Mortgagee & Additional Insured
30-day cancellation notice

💡 Pro tip: Install smoke detectors and lock systems the day you take possession—doing so helps meet insurance requirements and avoids denied claims.

Frequently Asked Questions

What states does OfferMarket fund bridge loans?

We fund bridge loans in nearly all U.S. states—including Washington DC. Some states are referral-only due to licensing, but DC is fully supported for direct lending.

Can I have multiple bridge loans at the same time?

Yes. Many DC investors carry multiple loans concurrently. We’ll help you assess your liquidity and bandwidth to make sure your projects remain on track.

Are bridge loans considered commercial?

Yes. All OfferMarket bridge loans are business-purpose loans and are structured as commercial loans to your borrowing entity (LLC or Corporation).

What is the minimum loan amount?

The minimum bridge loan amount is $25,000.

Which property types are eligible?

We finance non-owner-occupied 1–4 unit residential properties:

  • Single-family homes

  • 2–4 unit multifamily

  • Townhomes

  • Warrantable condominiums

Note: Mixed-use and large multifamily are not eligible under this program but may be financed under our commercial lending division.

How is Loan-To-Value calculated?

For DC bridge loans, we calculate LTV using the lower of:

  • Contract purchase price

  • Our internal or appraised As Is value

LTARV = (Initial advance + construction holdback) ÷ After-repair value

We also consider your total project cost (purchase + rehab) to determine Loan-To-Full-Cost (LTFC) limits.

What are the credit requirements?

Minimum credit score is 680. Borrowers with 660–679 may qualify under our exception program. Only guarantors' scores are considered; non-guarantor members of the borrowing entity are not reviewed.

What are the experience requirements?

No experience is required—but more experience equals more leverage. We evaluate your past rehab projects to assign a Tier (1–5). The higher your tier, the more favorable your terms.

To verify experience, just upload settlement statements and your entity docs into your Loan File.

Does being a wholesaler count toward experience?

No. While wholesaling builds your understanding of DC’s neighborhoods and off-market channels, it doesn’t carry the same risk or responsibility as a full renovation.

Why not?
Because you weren’t financially responsible for the rehab’s success. Experience credit goes to those who fund, manage, and complete the actual renovation.

What documentation is required?

We’ve made documentation fast and digital. Whether you’re buying a detached in Takoma or refinancing a Columbia Heights rowhome, your Loan File will prompt you to upload:

Purchase Transaction Requirements

Section Docs Needed
Loan File Fill out borrower details
Purchase Contract Fully executed
Credit Report Soft pull (tri-merge)
Background Report For each guarantor
Track Record Optional but boosts leverage
ID Verification Driver’s license, passport, etc.
Entity Docs Articles, Operating Agreement, W-9
Scope of Work Rehab budget itemized
Appraisal We order, you pay invoice
Bank Statements 2 recent (can be personal or business)
LOE If requested (e.g. large deposits, credit remarks)

Refinance Transaction Requirements

If you’re refinancing a project in DC—say a cash deal in Brookland or a long-held asset in Anacostia—you’ll need to provide:

Section Docs Needed
Settlement Statement From your original purchase
Credit & Background Reports For all guarantors
Track Record As applicable
ID Verification Standard photo ID
Entity Docs Articles, Operating Agreement, etc.
Sunk Costs Detailed list of expenses to date
Scope of Work Detailed, line-item rehab budget
Appraisal Ordered by us or eligible for transfer
Bank Statements 2 most recent
LOE As needed based on review

Are there special requirements for loans over $1M?

Yes—larger deals come with added scrutiny. If you’re borrowing over $1 million in DC (for example, on a large renovation in Logan Circle or Mount Vernon Triangle), the following applies:

Criteria Requirement
Experience Minimum Tier 3 preferred
Market Liquidity 3 recent local comps within 2 miles
Credit Score Minimum 680 + 5 tradelines w/ 24-month history
Rural Not eligible (N/A for DC)
Track Record Must document similar completed projects

Glossary of Key Terms

Term Definition
ADU Accessory Dwelling Unit (e.g. basement apartment or rear addition)
Arms-length Independent transaction—buyer and seller are unrelated
Initial Advance Loan funds applied to purchase price
Construction Holdback Loan funds reimbursed post-renovation milestones
Interest Reserves Prepaid interest held in escrow
LOE Letter of Explanation for underwriter clarification
LTC Loan-To-Cost = Loan ÷ (Purchase Price + Rehab Budget)
LTFC Loan-To-Full-Cost = Loan ÷ Total Project Cost
LTV Loan-To-Value = Loan ÷ As Is Value
LTARV Loan-To-After-Repair Value = Loan ÷ Post-Reno Value
Full Boat Interest Interest charged on the full loan amount regardless of draws
As Disbursed Interest Interest charged only on disbursed funds
Lopsided Deal Rehab budget exceeds purchase price (unbalanced risk profile)
DSCR Debt Service Coverage Ratio = Rent ÷ Monthly Debt Payments

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Instant Bridge Loan Quote

OfferMarket Capital LLC is your go-to private lender in Washington DC for fast, flexible, and transparent bridge loans. Whether you’re flipping in the Atlas District or executing a BRRRR in Michigan Park, we’re ready to help you fund and grow your portfolio.

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