BBYS Buy Before You Sell to Buy Your Next Home Before You Sell
Access the equity in your current property and move forward with your next home purchase without waiting for your existing property to sell.
- No monthly Buy Before You Sell payments
- 12-month terms for primary residences and second homes
- 6-month terms for investment properties
- Loan amounts up to $2,000,000 for eligible primary residence transactions
- Up to 75% loan-to-value on eligible Buy Before You Sell
- Access existing home equity for your next purchase
- Make a stronger, non-contingent offer
Tell us more about your Buy Before You Sell
"*" indicates required fields
BBYS Buy Before You Sell Designed to
Keep Your Next Purchase Moving
No Monthly Payments
No monthly payments are required on the Buy Before You Sell. A balloon payment is due when the departing property sells or at the end of the applicable term.
Make a Stronger Offer
Buy Before You Sell financing can allow qualified borrowers to make a non-contingent offer rather than depending on the sale of their current property.
Buy Before You Sell
Access equity from your current property so you can move forward with your next home purchase before your existing home sells.
Unlock Your Home Equity
Use available equity toward your next home purchase and other eligible expenses.
Program Highlights
BBYS Buy Before You Sell
Primary Residence
- Loan-to-Value up to 75% on Buy Before You Sell amounts from $1,000,000 to $1,500,000
- Loan-to-Value up to 65% on Buy Before You Sell amounts from $1,500,000 to $2,000,000
Non-Owner Occupied & Second Homes
- Loan-to-Value up to 65% on Buy Before You Sell amounts up to $750,000
- Loan-to-Value up to 60% on Buy Before You Sell amounts over $750,000
Buy Before You Sell Features
- No monthly payments
- 12-month terms for primary residences and second homes
- 6-month terms for investment properties
- Access equity from your current property before it sells
- Use available equity toward the purchase of a new home or eligible investment property
- Make a stronger, non-contingent purchase offer
- LendSure must also fund the new home or investment property purchase
BBYS Buy Before You Sell Highlights
6 months — Investment Property
| Feature | Florida DSCR Loan |
|---|---|
| Loan Type | DSCR Loan for Rental Property Investors |
| Qualification | Based on Rental Income (DSCR Ratio) |
| Loan Amounts | Up to $3,000,000 |
| Property Types | 1–10 Unit Rental Properties |
| Documentation | No Personal Tax Returns Required |
| Use Cases | Purchase, Rate-Term Refinance, Cash-Out Refinance |
Residential Buy Before You Sell Program
LendSure’s residential Buy Before You Sell program provides short-term financing for qualified homeowners and real estate investors who need to access equity before an existing property is sold.
A residential Buy Before You Sell can help bridge the financial gap between your current property and your next real estate purchase, allowing you to move forward without waiting for the proceeds from your existing home sale.
Our Buy Before You Sell financing options can help borrowers:
- Buy a new home before selling their current home
- Access equity for a new home purchase
- Make a non-contingent purchase offer
- Finance eligible residential and investment property transactions
- Navigate timing gaps between two real estate transactions
- Structure more complex real estate financing scenarios
How Do Buy Before You Sell Work?
A Buy Before You Sell is short-term financing that can help homeowners access the equity in their existing property before it sells.
LendSure’s BBYS Buy Before You Sell can pay off the existing mortgage and provide available equity that can be used toward the purchase of a new home or eligible investment property.
The BBYS Buy Before You Sell is repaid through a balloon payment when the departing property sells or at the end of the applicable loan term.
Buy Before You Sell financing may be a solution if you:
- Want to buy a house before selling your current home
- Need equity from your current property for a down payment
- Want to make a non-contingent purchase offer
- Are competing in a fast-moving housing market
- Need short-term financing between two property transactions
- Have a more complex real estate financing scenario
Real No Payment Bridge Loan Scenarios
Reverse 1031 Exchange - $1.5M total financing structured
Investor needed bridge financing to purchase replacement investment properties. LendSure evaluated the full financial picture and structured four loans totaling $1.5M, including an 80% LTV bridge loan exception, a second lien on another investment property, and a cash-out refinance on the primary residence.
Cross-Collateralized Bridge Loan - $4.39M in total financing
Borrowers purchasing a $3.1M Laguna Hills home needed a structure that could leverage equity across multiple properties. LendSure cross-collateralized the properties and structured three loans totaling approximately $4.39M with an overall LTV of approximately 71.69%.
Bridge Loan DTI Solution - Using equity to solve a qualification challenge
Borrowers downsizing from a $1.95M home wanted to purchase a $650,000 home in cash, but debt and income limitations created a DTI issue. LendSure increased the bridge loan to address high-interest debt and HOA expenses, then cross-collateralized the properties; the true CLTV across both properties was 59%.
Have a question?
We have the answers.
What is a BBYS Buy Before You Sell?
A BBYS Buy Before You Sell is short-term financing that allows you to access the equity in your current property before it sells. This can help you purchase your next home or eligible investment property without having to wait for the sale of your existing property.
How does a BBYS Buy Before You Sell work?
LendSure’s BBYS Buy Before You Sell pays off the existing mortgage on your departing property and provides access to available equity that can be used toward your next purchase. The Buy Before You Sell is repaid with a balloon payment when the departing property sells or at the end of the applicable loan term—12 months for primary residences and second homes, or 6 months for investment properties—whichever comes first.
Can I use a BBYS Buy Before You Sell to buy a new home before selling my current home?
Yes. Buy Before You Sell financing is designed to help qualified borrowers access equity from their current property so they can move forward with a new home purchase before their existing property sells.
Are there monthly payments on a LendSure Buy Before You Sell?
No. LendSure BBYS Buy Before You Sell do not require monthly payments. Instead, a balloon payment is due when the departing property sells or at the end of the applicable loan term—12 months for primary residences and second homes, or 6 months for investment properties—whichever comes first.
How can a BBYS Buy Before You Sell help me make a stronger offer?
A BBYS Buy Before You Sell can give you access to the equity in your current property before it sells, helping you make a non-contingent offer on your next home. This can help you compete more effectively without making your purchase dependent on the sale of your existing property.
What can I use BBYS Buy Before You Sell funds for?
In addition to helping fund your next home or investment property purchase, available Buy Before You Sell proceeds may be used for eligible expenses such as debt repayment, closing costs, moving expenses, furnishings, and improvements or renovations to the departing property.
Can I use a BBYS Buy Before You Sell for an investment property?
Yes. LendSure offers Buy Before You Sell financing for eligible investment property transactions, as well as primary residences and second homes. Program guidelines and maximum loan-to-value vary depending on occupancy and the specific transaction.
Does a BBYS Buy Before You Sell affect my debt-to-income ratio when qualifying for my new home?
LendSure does not include a payment from the departing property when qualifying the borrower for the new purchase. This can provide additional flexibility compared with financing structures that require both property payments to be included.
Does LendSure have to finance my new property purchase?
Yes. When LendSure provides the BBYS Buy Before You Sell, LendSure must also fund the associated new home or investment property purchase loan.
What if my BBYS Buy Before You Sell scenario does not fit standard guidelines?
LendSure takes a comprehensive approach to evaluating each transaction. Depending on the borrower, properties, available equity, and overall financial scenario, LendSure may be able to structure solutions for more complex transactions. All loans remain subject to applicable underwriting and program requirements.
How do I apply for a BBYS Buy Before You Sell?
Start by submitting the form on this page with information about your financing needs. A LendSure loan specialist can review your scenario, discuss available BBYS Buy Before You Sell options, and help determine the next steps.
Ready to Buy Your Next Home Before You Sell?
Speak With a Buy Before You Sell Specialist
LendSure Home Loans is a registered trade name of LendSure Mortgage Corp. NMLS ID# 1326437 (www.nmlsconsumeraccess.org). 12230 World Trade Drive, Suite 250, San Diego, CA 92128. 888.707.7811. All rights reserved.
LendSure Mortgage Corp. is authorized to conduct business under the LendSure Home Loans trade name in Arizona, California, Georgia, Illinois, and Texas.
For licensing information, please visit our Licensing Information Page. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.