Bridge & Cross-Collateralized
Private Money &
Hard Money Loans

Use equity across one or multiple properties to solve purchase, refinance, liquidity, and cash-out needs.

Bridge & Cross-Collateralized
Private Money &
Hard Money Loans

Use equity across one or multiple properties to solve purchase, refinance, liquidity, and cash-out needs.

Flexible Financing Using Equity Across Multiple Properties

Bridge financing can help a borrower complete a real estate transaction when capital is temporarily tied up elsewhere or permanent financing is not yet available.

Cross-collateralization can provide additional flexibility by allowing one private money loan to be secured by more than one property.

Triple Crown Funding evaluates the combined equity, lien positions, property values, borrower circumstances, use of funds, and exit strategy to structure transactions that may not fit a traditional lender’s credit box.

Use Equity Where You Have It

Additional collateral can create financing options that may not be available when evaluating only one property.

Common Bridge & Cross-Collateralized Loan Scenarios

● Down payment is tied up in equity from another property

● Borrower needs to purchase before selling another property

● Subject property does not provide enough equity by itself

● Additional real estate can be pledged as collateral

● Interim financing is needed before permanent debt is available

● Borrower needs additional cash out across multiple properties

How Cross-Collateralization Works

A single property may not always have enough available equity to support the requested loan amount.

By securing the loan against two or more properties, Triple Crown Funding can evaluate the combined equity across all collateral rather than relying on only one property.

This can allow a borrower to refinance a property with limited equity, obtain more cash out, or complete a purchase without contributing as much cash at closing.

Flexible Collateral Structures

● One loan secured by multiple properties

● First position on one property and second position on another

● Combined LTV / CLTV evaluated across all collateral

● Additional collateral does not necessarily have to be owned by the borrower

● Property owner may pledge collateral when willing and properly documented

General Bridge & Cross-Collateralized Loan Guidelines

● Residential and commercial real estate

● Purchases, refinances, and cash-out transactions

● 1st and 2nd trust deeds

● Multiple collateral properties considered

● Up to approximately 65% combined LTV / CLTV

● Equity-focused underwriting

● Credit and income issues considered

● Appraisal waivers may be available depending on the transaction

Recently Funded Bridge & Cross-Collateralized Loans

Vista, California

Properties: Rental SFR Purchase + Owner-Occupied SFR
Loan: $1,200,000 First Trust Deed
Purpose: Purchase / Bridge Financing

The borrower was purchasing a rental property but the funds needed for the down payment were tied up in the equity of the borrower’s existing residence.

Triple Crown Funding structured the private money loan using both properties as collateral, allowing the borrower to complete the purchase without waiting to sell or refinance the existing property.

The transaction was completed without traditional appraisals using property walkthroughs.

San Diego, California

Properties: Two Rental SFRs
Loan: $400,000 Second Trust Deed
Purpose: Cash Out

The borrower owned two rental properties with favorable existing first mortgages.

Neither property had enough available equity by itself to support the requested loan amount.

Triple Crown Funding provided one $400,000 private money second mortgage secured by both rental properties, allowing the borrower to access the needed capital while leaving both existing first mortgages in place.

No traditional appraisals were required; the properties were evaluated using walkthroughs.

Los Angeles, California

Properties: Rental SFR Purchase + Two Rental SFRs
Loan: $8,800,000 First & Second Trust Deeds
Purpose: Purchase with Zero Cash Down

The borrower wanted to purchase a rental property without contributing cash toward the down payment but had substantial equity in two other rental properties.

Triple Crown Funding structured the transaction using the equity across all three properties.

The private money loan was secured in first position against the newly purchased property and cross-collateralized in second position against the two rental properties the borrower already owned.

The transaction was completed without traditional appraisals using borrower-provided video walkthroughs.