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Key Markets Update

Each month when I write the Lightning Docs Private Lending Market Report, one trend remains consistent: California, Florida, and Texas continue to dominate bridge lending. For

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August Lending Trends: DSCR Growth Continues, Bridge Loans Plateau

A bridge loan is any loan with a duration of 36 months or less utilizing interest-only payments for the duration of the term and containing a balloon payment at the end of the loan. Bridge loans are commonly referred to as residential transition loans (RTL), fix-and-flip, non-owner occupied, hard money, or in other terms that describe a short-term loan generally secured by a residential property for investment purposes.

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Private Lending Sustains Growth Through July

A bridge loan is any loan with a duration of 36 months or less utilizing interest-only payments for the duration of the term and containing a balloon payment at the end of the loan. Bridge loans are commonly referred to as residential transition loans (RTL), fix-and-flip, non-owner occupied, hard money, or in other terms that describe a short-term loan generally secured by a residential property for investment purposes.

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Lightning Docs Surpasses $3 Billion in Monthly Business Purpose Loan Originations with Record July

Lightning Docs, the official loan documents of the American Association of Private Lenders, announces a record month for the platform in July. With 5,451 loans in the month, Lightning Docs passed its previous record high of 5,270 loans in May of this year. This marks the fifth time in 2025 Lightning Docs has reached a record month, as the platform continues to cement itself as the official standard in private lending.

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