What sizes do you place?

From 2-4 unit residential through 5-plus unit apartment buildings and mixed-use property. Tell us the unit count and the current occupancy.

Is a full rent roll required to start?

To get a real answer, yes. Rough numbers are fine for a first conversation, but no lender prices income property without the operating detail.

Can the bridge fund renovation work?

Sometimes, where the work is part of the stabilisation plan. Heavier construction moves the deal to a different product.

Multi-Family & Mixed-Use Bridge Loans

The stabilisation problem

A building with half its units empty, rents below market, or a messy rent roll will not price well with a permanent lender, however good the asset is. Bridge financing buys the time to fix the operating picture, after which the long-term loan becomes available on far better terms.

Occupancy below threshold

Permanent lenders want the building let. Bridge money covers the lease-up.

Below-market rents

Where the upside is a rent roll brought to market rather than a renovation.

Mixed-use complications

Commercial space alongside residential changes who will lend and on what basis.

Deferred maintenance

Enough work to deter a permanent lender without making it a construction project.

What lenders examine on a multi-family file

Expect scrutiny of the operating numbers rather than just the property. The rent roll, the trailing statements and the expense assumptions are the file.

Rent roll and leases

Who is in the building, at what rent, on what term, and whether they are actually paying.

Trailing income and expenses

Usually 12 months. Optimistic expense assumptions are the most common thing corrected during underwriting.

The stabilisation plan

Specific, dated, and costed. What changes, when, and what it takes to get there.

Your experience with this asset class

Running a 20-unit building is not running four rentals, and lenders price that difference.

Planning the exit before you start

The bridge is only as sound as the permanent loan waiting behind it. Know the metrics that loan will require and work backwards from them, because discovering at month ten that you are short of a debt-service threshold is an expensive way to learn it.

Know the takeout terms first

Understand what the permanent lender will need before you sign the bridge.

Leave room in the timeline

Lease-up almost always runs longer than the model says.

The operating documents this product turns on

Income property is priced on what it earns, so the operating file is the application. Rough figures are fine for a first call; nothing gets priced without the detail below.

A current rent roll: unit, tenant, rent, lease term, and who is actually paying.
Trailing twelve months of income and expenses, not a pro forma.
The stabilisation plan, dated and costed, with the target occupancy and rents.
Copies of leases for the larger or commercial units.
Your experience with buildings of this size, which is priced differently from small rentals.
The takeout terms you are aiming at, so the bridge can be sized to reach them.

Tell us about this deal

No fee to submit it, and no obligation once terms come back.

Questions investors ask about this product

What sizes do you place?: From 2-4 unit residential through 5-plus unit apartment buildings and mixed-use property. Tell us the unit count and the current occupancy.
Is a full rent roll required to start?: To get a real answer, yes. Rough numbers are fine for a first conversation, but no lender prices income property without the operating detail.
Can the bridge fund renovation work?: Sometimes, where the work is part of the stabilisation plan. Heavier construction moves the deal to a different product.

Before you apply

We are a connector, not the lender. We place your deal with private and hard money lenders who fund this profile; they underwrite it, approve it and set the terms. We will not quote a rate, points or leverage before a lender has read the file, and we do not use the word approved. If the deal does not fit private lending, we would rather tell you on the first call — see how the process works for the short version.

Multi-family bridge financing while the building stabilises