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Featured Articles
Using After-Repair Value (ARV) in Bridge Loan Underwriting
After-repair value can unlock meaningful leverage for value-add deals. But in bridge underwriting, ARV is not a number you assert. It is a hypothesis you have to prove. Lenders evaluate ARV through a structured process: scope review, comparable sales analysis,...
Interest Reserves in Bridge Loans: How They Work and Why They Matter
A lot of bridge loan deals look great on paper until the construction runs longer than planned, carrying costs start stacking up, and the borrower realizes the property is not generating stable income yet. That is the moment where an interest reserve stops being a...
Construction and Rehab Draw Schedules: How They Work and How to Move Fast
A draw schedule is the operational backbone of construction and rehab financing. When it is set up correctly and executed with discipline, it keeps your project funded, your budget controlled, and your lender aligned with your progress. When it is treated as an...
Exit Strategies for Bridge Borrowers: How to Plan a Credible Repayment Path
If you want to understand why some bridge loan approvals move quickly and others get stuck in underwriting, it usually comes down to one thing: the exit. Bridge loans are intentionally short-term instruments, often structured around a defined execution window such as...
LTC vs. LTV: Which Metric Matters More for Bridge Loans?
Borrowers often ask a simple question: how much can I borrow? And the honest answer is that bridge lenders rarely size a loan from a single number. Many bridge lenders apply multiple leverage constraints simultaneously, and your final proceeds are capped by whichever...
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Private Real Estate Lender
Asset-focused lending for experienced investors and developers.
Business Construction Financing
Funding aligned to budgets, milestones, and timeline realities.
Commercial Real Estate Financing
Capital solutions for office, industrial, retail, and mixed-use.
Residential Real Estate Financing
Investment properties and portfolios with flexible terms.
Multifamily Real Estate Financing
From acquisition to repositioning and lease-up.
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We focus on senior bridge and construction structures across Florida
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.