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Featured Articles
Using after-repair value (ARV) in bridge underwriting
ARV can support meaningful leverage in value-add deals, but only when it is grounded in a realistic scope, a believable budget, and an execution timeline that holds up in the real world. In bridge underwriting, ARV is not treated as a hopeful number. It’s treated as a...
Interest reserves in bridge loans
A lot of bridge loan transactions look fine on paper until the timeline stretches, carrying costs build, and the property is still not producing stable cash flow. That is the point where interest reserves stop looking like a technical line item and start looking like...
Construction and rehab draw schedules
A draw schedule is one of the most important operating tools in construction and rehab financing. When it is built correctly, it keeps funding, inspections, and project milestones aligned. When it is treated as an afterthought, even a strong project can lose time,...
Exit strategies for bridge borrowers
If you want to know what makes a bridge loan approval feel “straightforward” versus “painful,” it usually comes down to one thing: the exit. Bridge loans are intentionally short-term. They’re designed to give you time to execute a plan - rehab, construction, lease-up,...
LTC vs LTV: which matters for bridge loans?
Borrowers ask one simple question - “How much can I borrow?” - and often get conflicting answers. That’s because bridge financing is rarely sized from a single number. In practice, lenders look at multiple constraints at once, and the final proceeds are usually shaped...
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FAQs (short answers for rich results)
What types of sponsors are a fit for bridge real estate financing?
We primarily work with experienced investors and developers who have a directly relevant track record, a clear business plan, and realistic assumptions around budget, timing, and exit.
What kinds of properties work best for bridge financing?
Bridge real estate financing is ideal for income-producing and transitional assets—multifamily, residential investment portfolios, office, industrial, retail, mixed-use, and select land or redevelopment plays with a defined path forward.
Can bridge financing be used for value-add and heavy rehab projects?
Yes. Many sponsors use bridge loans to execute value-add and heavy rehab strategies, with funding structures that align capex, draw schedules, and the path to stabilization or sale.
Can you step in and refinance an existing bridge or construction lender?
In select cases, yes. We can provide new bridge real estate financing to refinance a maturing or restrictive facility, recapitalize the project, and create runway to complete the plan.
Do you work with mortgage brokers and intermediaries on bridge deals?
Yes. We frequently work with brokers and intermediaries and are transparent about fees, process, and timelines so everyone is aligned from the first term sheet.
How much equity do I need for a bridge real estate loan?
Sponsors should expect to bring meaningful cash equity—often 20–35% of total project costs—depending on asset type, leverage, and overall risk profile.
Do you require full recourse on bridge financing?
Most bridge loans include some level of recourse or personal guarantee, calibrated to leverage, deal risk, and sponsor strength. Specifics are outlined clearly in the term sheet.
How important is personal credit for approval?
We are more focused on the asset, business plan, and track record than on a single credit score, but sponsor financial strength and credit history are still part of our overall underwriting.
Do you work with out-of-state or foreign sponsors on Florida and Southeast projects?
Yes, on a selective basis. We look closely at sponsor experience, local operating partners, and the specific deal to ensure the project and team are a fit for bridge execution.