Nebraska Bridge Loan Program

Last Updated: April 30, 2025

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Our Bridge Loan Nebraska program is specifically designed to deliver fast, dependable, and cost-efficient funding solutions for acquiring and improving 1-4 unit residential investment properties across Nebraska.

Whether your investment playbook involves rehabbing to resell at a profit or holding onto properties as rentals with plans to refinance using a DSCR loan, we’re here to help bring your vision to life.

Let’s take a closer look at how the OfferMarket Nebraska Bridge Loan Program works!

What is a Bridge Loan?

A bridge loan provides short-term funding that helps bridge the gap while you work on securing more permanent financing.

Common Bridge Loan Scenarios

For real estate investors in Nebraska, bridge loans often present the ideal solution in scenarios such as:

• Purchasing and renovating a distressed or outdated property — a great option when you want to buy and upgrade without tying up your own cash reserves.
• Refinancing a cash purchase while funding the rehab — if you scored a deal off-market with a quick cash close but now need to unlock funds to handle the renovation work.
• Refinancing an active loan to finish a rehab project — maybe your private lender is expecting repayment, yet you still need both capital and time to wrap up your improvements before selling or refinancing.
• Acquiring property without the intention to renovate — buying undervalued, off-market properties with a plan to resell them as-is for a solid return.
• Refinancing a cash purchase without doing renovations — tapping into the equity from a deal you secured below market value to fuel your next investment.
• Refinancing an existing loan without additional renovation needed — if your rehab is complete but you require extra time before executing your exit plan through a sale or refinance.

In the investment space, terms like bridge loan, hard money loan, and fix and flip loan are often used interchangeably to describe these flexible funding options.

How Does a Nebraska Bridge Loan Work?

Our Nebraska bridge loan program features two core components that make funding your next real estate project fast and flexible:

Initial Advance — This portion of the loan is applied toward the purchase price of the property. The funds are wired directly to the title company when your deal closes.

Construction Holdback — This segment of the loan is reserved for your renovation costs. These funds are released to you through reimbursement draws as you achieve key project milestones.

One of the standout benefits of bridge loans is their adaptability. You can opt for just the initial advance, only use the construction holdback, or combine both — whichever approach aligns with your project strategy.

Many real estate investors across Nebraska choose to leverage both the initial advance and the construction holdback to stretch their capital and increase their purchasing power. Some prefer to finance the rehab phase with their own funds, while others buy properties outright with cash and then use the construction holdback to fully cover their renovation expenses.

When it comes to bridge loan Nebraska solutions, the choice is in your hands — the program is designed to fit your investment strategy.

Typically, your exit strategy will fall into one of these categories:

Flip — Upgrade the property and sell it for a profit.

Rent and Refinance — Hold the asset as a rental property and refinance into a longer-term loan such as a DSCR loan.

It’s not uncommon for Nebraska investors to modify their exit plan as the project progresses based on local market trends and financial performance. You aren’t locked into a single path from day one.

Here are a couple of real-world scenarios:

You may kick things off with a BRRRR plan (Buy, Rehab, Rent, Refinance, Repeat), but if the resale market in your area heats up, selling for a profit could become the better play.

You might plan to flip but encounter a cooling market — in that case, holding the property as a rental and refinancing with a DSCR loan until the market rebounds could make more sense.

The key takeaway: Prioritize investments that allow for flexible exit strategies so you can pivot as needed and keep risk levels under control.

Who Typically Uses Bridge Loans in Nebraska?

Here’s a look at the investors who gain the most from our bridge loan Nebraska program:

• Fix and Flip Investors (Flippers) — Buying properties below market value, improving them, and selling for a return on investment.
• Rental Property Investors (BRRRR Method) — Building rental portfolios by buying, rehabbing, renting, refinancing, and repeating the process.

Make sure to explore our Fix and Rent bundle, which pairs a bridge loan for purchase and rehab with a discounted DSCR loan for refinancing — the perfect setup for BRRRR investors operating across Nebraska.

Plenty of investors we partner with use a hybrid strategy, flipping certain properties while retaining others as rentals, depending on how each deal unfolds. This kind of flexibility is a key element of smart, strategic investing.

Nebraska Bridge Loan Program Guidelines

Project Eligibility for Nebraska Bridge Loans

At OfferMarket, we’re committed to helping Nebraska investors grow their portfolios safely and successfully. One way we support this mission is through smart, responsible lending practices that prioritize your success.

Our track record speaks for itself — less than 0.5% of the loans we’ve originated have ended in foreclosure, one of the lowest default rates in private lending.

Inexperienced investors taking on large-scale, complex rehab projects tend to face the most risk — from construction delays and budget overruns to shifts in market conditions. Even seasoned investors may find “heavy” or “extensive” rehab projects challenging, especially during uncertain economic times.

That’s why we go beyond simply funding your project. We act as your capital partner, deal advisor, and risk manager, helping ensure you enter each deal with clear expectations and smart risk controls.

To support this approach, we use a structured rehab classification system that matches project eligibility to your experience level and the scope of the renovation.

Initial Advance

The initial advance — the upfront portion of your Nebraska bridge loan — is based on a range of borrower and project-specific factors. Here’s what we take into account:

• How many properties you’ve owned over the last 24 months

• The number of comparable rehab projects you’ve successfully completed in the last 5 years

• Your minimum credit score of 680 (we favor 720+ for personal guarantors within the borrowing entity)

• Your professional status — with extra leverage available if you’re a licensed Realtor, General Contractor, or Professional Engineer

If your property’s purchase price exceeds the As-Is value determined by appraisal or in-house valuation, your initial advance will be calculated based on the As-Is value — not the contract price.

Your chosen exit strategy also plays a major role in determining your initial advance. If your plan is to flip the property, we require at least a 30% projected gross margin and a minimum of $15,000 in projected profit.

If your goal is to rent and refinance, or if your flip margins fall below these minimums at your preferred loan amount, the project must demonstrate at least a 1.1 Debt Service Coverage Ratio (DSCR) after repairs.

For help crunching your numbers, don’t forget to use our Fix and Flip Calculator and DSCR Calculator — they’re great tools for analyzing your exit scenarios.

For rural properties, initial advance caps apply, and you’ll need a minimum of three completed projects to qualify.

Experience-Based Tiers

Initial Advance by Experience Tier

Borrowers in Tier 1 may qualify for up to 85% initial advance in certain cases if they have excellent credit and strong liquidity.

Adjustments to Your Initial Advance

Within our Nebraska bridge loan program, your initial advance percentage isn’t one-size-fits-all — it can be adjusted based on specific details about your project and your qualifications. Here are the factors that might increase or reduce your initial advance:

Rehab Scope Classification

For your Nebraska investment project, the rehab scope is determined by comparing your renovation budget to the purchase price of the property. This classification helps ensure your project is matched to your experience level and that risk remains manageable.

Lopsided deal: When the property's purchase price or As-Is value is lower than the total cost of the rehab.

Rehab Scope Eligibility for Nebraska Bridge Loans

Focusing on lighter rehab projects — often cosmetic upgrades — can help reduce your exposure to delays, budget overruns, and surprises.

LTARV (Loan-to-After-Repair Value) Limits for Nebraska Investors

The maximum Loan-to-After-Repair Value (LTARV) is determined by your experience tier and the rehab scope of your project. This safeguard helps maintain a healthy balance between leverage and financial safety.

LTFC (Loan-to-Full-Cost) Limits for Nebraska Bridge Loans

For Nebraska investment projects where the renovation budget exceeds the purchase price or As-Is value (classified as Extensive rehab), we apply Loan-to-Full-Cost (LTFC) limits. This ensures both you and the lender maintain proper skin in the game.

An LTFC of 85% means we fund 85% of your total project cost (purchase price plus rehab budget), and you bring 15% to the table. This helps ensure alignment and accountability, especially on high-risk, large-scale renovations.

Example 1: No Experience

• Purchase Price: $100,000

• Tier: 1 (0 verified projects)

• Credit Score: 695

• Rehab Budget: $24,000

• ARV: $150,000

• Initial Advance: $75,000 (75%)

• Construction Holdback: $24,000

• Total Loan Amount: $99,000

• LTARV: 66%

• LTFC: 79.8%

• Interest Accrual: Full boat

Example 2: No Experience, Excellent Credit

• Purchase Price: $100,000

• Tier: 1 (0 verified projects)

• Credit Score: 750

• Rehab Budget: $24,000

• ARV: $150,000

• Initial Advance: $80,000 (80%)

• Construction Holdback: $24,000

• Total Loan Amount: $104,000

• LTARV: 69.33%

• LTFC: 83.9%

• Interest Accrual: As disbursed

Example 3: Experienced Investor (5 Completed Projects)

• Purchase Price: $100,000

• Tier: 4 (5 verified projects)

• Credit Score: 750

• Rehab Budget: $20,000

• ARV: $150,000

• Initial Advance: $90,000 (90%)

• Construction Holdback: $20,000

• Total Loan Amount: $110,000

• LTARV: 73.33%

• LTFC: 91.67%

• Interest Accrual: As disbursed

Refinancing Based on As-Is Value Instead of Cost Basis

In most Nebraska bridge loan scenarios, we base our underwriting on your cost basis — which includes the purchase price and any associated sunk costs. This approach helps maintain meaningful equity throughout the project.

However, in certain refinance situations where your property’s current market value exceeds your original cost basis, we may offer funding based on the As-Is value, provided specific conditions are met.

Eligibility Criteria:

• The property is move-in ready with an appraisal condition rating of C4 or better — no major structural or maintenance issues.

• The property has been owned (seasoned) for at least three years.

• If refinancing an existing loan, the current lender is not a bridge or construction lender, and the loan remains free of default interest, late fees, or penalties.

• A minimum credit score of 680 with at least Tier 3 experience (4 or more successfully completed projects).

• Strong comparable sales (comps) in the market area supporting the higher As-Is value.

• A clear and reasonable scenario for refinancing — for example: the property was rented for three years, the tenants have vacated, and now you plan to renovate before selling.

This flexible refinancing option helps experienced Nebraska investors unlock capital from properties that have appreciated significantly over time.

Wholesaler Transactions and Price Run-Up Guidelines

In Nebraska real estate deals involving wholesalers, we recognize that assignment fees or double-close price increases may be part of the transaction. Our bridge loan Nebraska program allows for these markups — but with specific limits to ensure fairness and responsible lending.

Here’s how it works:

• Assignment fees or price increases can be included up to 20% of the original contract price (the price between the wholesaler and the original seller).

• Any increase beyond 20% must be covered by the borrower — it cannot be financed.

Example:

Important Guidelines:

• Properties listed on the MLS are not eligible for assignment fee financing.

• Full documentation is required — including the A-B contract, B-C contract, the wholesaler’s operating agreement, and a clear chain of title.

• We do not fund finder’s fees or referral fees.

• All transactions must be arm’s length — no personal or financial connections between buyer and seller.

Construction Holdback

The construction holdback portion of your Nebraska bridge loan is designed to fund your renovation budget. These funds are released to you in stages as your project progresses through draw reimbursements.

For loans totaling $100,000 or more, interest is charged as funds are disbursed (known as “as disbursed” interest accrual). For loans under $100,000, interest accrues on the full loan amount from day one (“full boat” interest).

If you prefer to handle the rehab phase using your own capital, you can opt out of the construction holdback entirely.

Appraisal and Valuation Process for Nebraska Bridge Loans

Every Nebraska bridge loan request must undergo a property valuation process to determine eligibility and appropriate funding amounts. Depending on your project details, this may involve one of the following methods:

In-House Valuation

Available for:

• Single-family homes, duplexes, triplexes, and quadplexes

• Borrowers in Tier 4 or higher

• Credit score of 720+

• Non-rural properties

• Projects in markets where the investor has previous experience

Note: Even with in-house valuation, we reserve the right to request a formal appraisal if needed.

Exterior Appraisal

Required for:

• REO sales

• Foreclosure auctions or sheriff's sales

• Online auction purchases

• Bankruptcy-related transactions

The appraisal must be dated within 120 days of the closing date. If the appraisal is between 120 and 179 days old, recertification is required.

Interior Appraisal

Needed for all other Nebraska bridge loan scenarios. Here are the required appraisal forms:

OfferMarket handles appraisal orders through approved Appraisal Management Companies (AMCs). Borrowers are responsible for the appraisal invoice prior to loan funding.

Appraisal Transfer

If you already have an appraisal from an outside source, you may be able to transfer it for use with your Nebraska bridge loan — provided it meets certain conditions:

• The appraisal was ordered through an approved AMC.

• The appraisal is less than 180 days old at closing.

• For appraisals between 120 and 179 days, recertification is required.

• The original lender must supply a signed transfer letter confirming compliance with Appraiser Independence Requirements (AIR).

Required documentation includes:

• Full appraisal report (PDF format)

• XML version of the appraisal report

• Proof that the appraisal invoice has been paid

Stabilized Bridge Loan Scenario for Nebraska Properties

If your Nebraska property is already stabilized — meaning it has no deferred maintenance and achieves an appraisal condition rating of C4 or better — you may qualify for funding based on its current As-Is value instead of projected post-rehab value.

This stabilized bridge loan option is ideal for properties that are rent-ready or ready for immediate sale.

Key Loan Details for Nebraska Bridge Loans

Here’s a summary of the essential loan parameters for our Nebraska bridge loan program:

Extensions

While Nebraska bridge loans are designed as short-term financing solutions (typically 12 to 24 months), we understand that some projects may take longer than expected. That’s why extension options are available — but they should be treated as a contingency plan, not your primary exit strategy.

Keep in mind, extending your Nebraska bridge loan adds to your costs and increases the risk of foreclosure if the loan remains unpaid after the maximum extension period.

Common Reasons for Project Delays:

• Hiring inexperienced contractors

• Overly ambitious rehab plans without the matching experience or liquidity

• Permit issues, especially in jurisdictions with slower approval processes

• Inheriting tenants who require eviction or have active leases

• Failing to plan for dual exit strategies like flip or rent/refinance

By managing these risks up front, you reduce your likelihood of needing an extension and keep your investment project on track.

Extension Limits for Nebraska Bridge Loans

If your Nebraska bridge loan reaches its original maturity date without being paid off, you may qualify to extend the loan for up to 50% of the original loan term. Extensions are offered in either 3-month or 6-month increments depending on your situation.

Extensions are designed to provide flexibility, but your focus should remain on realistic timelines and solid project execution to avoid relying on them.

Extension Terms and Fees for Nebraska Bridge Loans

If you find yourself needing an extension on your Nebraska bridge loan, here’s what you can expect in terms of fees. These costs are added directly to your loan payoff statement:

Requirements for Extension Approval:

• Your builder’s risk insurance policy must remain active for the full length of the requested extension period.

• OfferMarket may request updated project documentation depending on the nature of your extension request.

Ineligible Property Types for Nebraska Bridge Loans

Certain property types are not eligible for financing through our Nebraska bridge loan program due to risk factors, use-case issues, or market challenges. Below is a list of properties that do not qualify:

• Mixed-use properties

• Multifamily properties with 5 or more units

• Condotels and co-op buildings

• Mobile homes or manufactured housing

• Commercial real estate (including retail, office, and industrial)

• Cabins, log homes, or rustic/vacation properties

• Properties with oil or gas lease agreements

• Operating farms, ranches, or orchards

• Seasonal or vacation rental properties

• Unusual, exotic, or high-end luxury properties

• Properties accessed by dirt or unpaved roads

Exception Scenarios

In some situations, we may consider exceptions to our standard Nebraska bridge loan guidelines. These exceptions are evaluated on a case-by-case basis and require additional documentation or underwriting review.

Borrower and Guarantor Eligibility for Nebraska Bridge Loans

Liquidity Verification for Nebraska Bridge Loan Eligibility

To ensure strong financial footing and reduce exposure to unnecessary risks, we require proof that guarantors hold enough liquid assets to comfortably handle the project’s financial obligations. This verification ensures that you have the resources to cover unexpected expenses and maintain momentum throughout your Nebraska bridge loan project.

The required liquidity amount is calculated as your estimated cash to close plus 25% of your rehab budget.

Approved Liquid Asset Types:

• Personal bank accounts

• Bank accounts held by the borrowing entity

• Bank accounts of other business entities you control

• Personal brokerage accounts

• Brokerage accounts owned by the borrowing entity or related business entities

• Retirement accounts (valued at 50% of their balance)

Important Considerations:

• Business accounts are not mandatory but are recommended for keeping your project finances organized.

• Funds do not need to be transferred into the borrowing entity's account — we simply confirm they are available and accessible.

• Your settlement statement will confirm cash to close by showing the required borrower contribution wired to the title company or closing attorney.

This process protects both you and the lender by ensuring the financial flexibility needed for project success.

Credit and Background Evaluation for Nebraska Bridge Loans

Every Nebraska bridge loan application undergoes a thorough credit and background review. Here’s what we look for:

Interest Reserve Requirements

Depending on your credit profile and financial background, we may require interest reserves to be held at closing. These reserves are earmarked to cover interest payments during the loan period before your monthly payments begin.

Financed Interest Payments

To help maintain your liquidity during the renovation phase and avoid stretching your resources, you may qualify for financed interest payments. In this structure, accrued interest is added to your loan payoff balance rather than being paid monthly, giving you more breathing room while your project is in progress.

Example Scenario:

This approach allows you to focus on completing your project without worrying about monthly interest payments.

Property Sourcing Guidelines

When sourcing properties for your Nebraska bridge loan, we require proper documentation to confirm deal integrity and protect your investment.

Key Points:

• If you’re investing in a new market, provide either a signed General Contractor agreement or a Letter of Explanation detailing why a GC is not required.

• Transactions involving significant price markups (assignment fees, wholesaling, double-closing) must include full supporting documentation and will be subject to review.

• Projects like condominium conversions or major renovations must include letters from licensed architects or engineers or the appropriate permits to confirm the scope of work.

• Required documents for every loan submission include purchase contracts, settlement statements, payoff letters (if applicable), investor track record, and borrowing entity formation documents (LLC or Corporation paperwork).

Our property sourcing process helps ensure your Nebraska bridge loan is built on well-documented, properly structured deals.

Bridge Loan Insurance Guidelines

Protecting your project and personal liability is critical during your Nebraska bridge loan. A properly structured insurance policy — often referred to as Builder’s Risk or Fix and Flip insurance — shields your investment from unexpected setbacks like property damage or accidents.

Coverage Requirements

Policy Details

💡 Pro Tip: After acquiring your property, be sure to install smoke detectors, door locks, and security cameras immediately. These small steps help maintain compliance with your insurance policy and ensure claim eligibility.

Frequently Asked Questions

What states does OfferMarket fund bridge loans in?

Our bridge loan program is available in most U.S. states, including Nebraska. We also operate as a rate-shopping service in certain states where licensing is required or where we do not lend directly.

Can I have more than one bridge loan at the same time?

Yes — many of our clients hold multiple active bridge loans. However, we always prioritize responsible lending. If we believe additional projects may strain your liquidity or impact your ability to execute, we’ll work with you to develop a safer approach.

Are bridge loans considered commercial loans?

Yes, bridge loans are classified as business-purpose commercial loans. They are issued to your LLC or Corporation and are not considered consumer-purpose loans.

What is the Minimum Loan Amount Available?

For our Nebraska bridge loan program, the minimum loan amount is $25,000. Whether you're working on a smaller rehab or a larger investment project, we’re here to provide the funding flexibility you need.

Which Types of Properties Qualify for Funding?

Our Nebraska bridge loan program focuses on non-owner occupied residential properties with 1 to 4 units. Eligible property types include:

• Single-family homes

• Townhomes

• Duplexes, triplexes, and quadplexes (2-4 unit multifamily)

• Warrantable condominiums

Please Note:

Properties that are mixed-use (2-4 units), multifamily with 5–9 units, or mixed-use buildings with 5–9 units are not eligible for this program. Larger properties with 10+ units or commercial properties (such as retail or office buildings) are also not covered under the bridge loan offering but may qualify for other OfferMarket loan products.

How is Loan-to-Value (LTV) Calculated for Nebraska Bridge Loans?

In the context of our Nebraska bridge loan program, Loan-to-Value (LTV) most commonly refers to Loan-to-After-Repair Value (LTARV). In certain cases, it may also refer to Loan-to-As-Is Value, depending on the specifics of your transaction.

For purchase deals, the initial advance is based on the lower of:

• The As-Is value determined by appraisal or valuation report

• The purchase price shown in your contract (or your previous closing price if this is a refinance scenario)

The LTARV ratio is calculated by dividing your total loan amount (initial advance plus construction holdback) by the property’s projected after-repair value.

What Credit Score Do I Need to Qualify?

To be eligible for our Nebraska bridge loan program, the minimum required FICO score is 680. However, if your score falls between 660 and 679, your loan request may still be considered under our exception review process.

When we assess credit, we focus on the guarantors within your business entity — the individuals personally guaranteeing the loan. Credit scores from entity members who are not acting as guarantors are not included in this evaluation.

Do I Need Previous Real Estate Investing Experience to Qualify?

No prior experience is required to qualify for a Nebraska bridge loan through OfferMarket. That said, your level of experience does affect the terms and leverage available to you.

The more successful rehab projects you’ve completed (especially those of similar or greater scope), the higher your potential initial advance percentage. Our experience-based tier system rewards seasoned investors with more favorable terms.

Once you fill out the Track Record section in your Loan File, our team will verify your history — which may involve requesting documentation like settlement statements or operating agreements.

Does Wholesaling Count Toward Experience?

No — wholesaling alone does not count toward your experience score. Our experience tiers are based exclusively on projects where you had direct financial responsibility for the rehab and execution.

The focus of our program is on investors who have successfully managed renovation budgets, construction timelines, and project completion — not just facilitated transactions between other parties.

What Documentation Is Required for a Nebraska Bridge Loan?

Our Loan File system is built to make the documentation process simple, organized, and efficient. Once your documents are submitted, they’re securely stored for quick access on future loan requests.

Required Documents for Purchase Transactions

Required Documents for Refinance Transactions

Are There Special Requirements for Loans Over $1 Million?

Yes — for Nebraska bridge loans exceeding $1 million (up to the program maximum of $2 million), enhanced underwriting guidelines apply to ensure responsible lending at larger loan sizes.

These requirements are in place to ensure strong project fundamentals and successful loan performance at higher funding levels.

Glossary of Key Terms

Instant Nebraska Bridge Loan Quote

At OfferMarket Capital LLC, our private lending division specializes in fast, reliable bridge loans and DSCR loans designed for 1-4 unit residential real estate investors — including investment properties right here in Nebraska.

Our mission is simple: help you build wealth through smart real estate investments — and be your trusted financing partner every step of the way.

Thousands of investors across the country turn to OfferMarket each month. Becoming a member is completely free and comes with valuable benefits:

💰 Access to private funding
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Thousands of real estate investors get value from OfferMarket every month. Membership is entirely free and includes the following benefits:

💰 Private lending
☂️ Insurance rate shopping
🏚️ Off market properties
💡 Market insights

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