Partner Reference · Referral Fit Guide
A plain-English look at a Bridge2Sell deal: an illustrative sample with real mechanics and round numbers, plus exactly how we screen a file — so you can send us the deals that fit.
Prepared for a routing partner · Illustrative — not an offer
Invented round numbers chosen to show the model cleanly. Not a real client, not an offer. Every real deal is priced to the property and the file.
Take a home worth $500,000 as-is. Here is what a clean Bridge2Sell sale-leaseback / sale-buyback looks like on that home — the numbers a homeowner would actually see.
| Component | Amount |
|---|---|
| Cash released to the homeowner at closing The deferred portion — their usable equity unlock, paid out now and settled at the back-end through the repurchase. | $225,000 |
| Prepaid rent reserve A portion of the advance held back as a rent credit applied against the monthly lease — it softens the homeowner's monthly burden. It is not the full term's rent. | $25,000 |
| Total advance | $250,000 |
Prepaid vs deferred, in one line: $25,000 prepaid (rent reserve/credit) · $225,000 deferred (cash now, settled at the back-end).
At the end of the term the homeowner repurchases the home at a fixed option price. In this example that price is $375,000 — 75% of value, set the day the deal is written so there are no surprises.
A 24-month term is the standard on a deal this size. The homeowner unlocks $225,000 in cash today, keeps living in the home, and has a fixed, known price to step back into full ownership.
Two ratios decide whether a deal fits. Everything else is detail. If a file clears both with room to spare, it's worth sending.
Both gates protect the same thing: a cushion of untouched equity between what's owed and what the home is worth. The front-end cap keeps our basis low going in; the back-end cap keeps the homeowner's exit price comfortably below full value. That gap is what lets the deal absorb a soft market, a slow sale, or a valuation that comes in light — without putting the homeowner or the transaction underwater.
We don't want to sit on the cusp. A deal that pencils at exactly 55% front-end or 80% back-end has no room for error — one appraisal adjustment and it's off-model. The best files you can send us land comfortably inside both gates, like the 50% / 75% example above. Room to spare is the difference between a maybe and a fast yes.
When a deal comes in, we run it in this order. You can pre-check the first three yourself before you ever send it.
An owner-occupant who needs cash from their home, whose value supports an advance under 55% and an exit under 80% — with cushion to spare. If it clears those, send it. If you're not sure, send it anyway and we'll tell you fast.
All figures in this guide are illustrative round numbers selected to explain the model and do not represent any actual client, property, or transaction. They are not an offer, a quote, or a commitment to fund, and are not financial, legal, or tax advice. Every deal is individually underwritten and priced to the specific property and file; actual terms, fees, and eligibility vary and are subject to full underwriting and documentation. Qualification gates are internal guidelines and may change. Prepared for a routing partner for reference only.