REAL ESTATE / BRIDGE
Bridge Loans
Bridge financing can buy time for acquisition, stabilization, rehab, lease-up, refinance, or another defined transition.
Sometimes the Deal Is Good and the Calendar Is the Problem.
A bridge loan provides interim property financing while a sale, refinance or stabilization event is pending. The exit should be specific, documented and tested for delays.
Where it can fit
- Investors moving between financing stages
- Properties awaiting stabilization or a defined transaction
Common uses
What shapes the file.
- Exit evidence
- Equity and property value
- Liquidity during the bridge
General product guidance. A provider’s actual criteria and review determine eligibility.
Documents to prepare
- Purchase contract or current loan statement
- Rent roll, leases and property operating statement
- Property valuation, insurance and reserve information
Know the tradeoffs.
- A balloon payment can create refinance pressure.
- Extensions may be unavailable or expensive.
T / CAPITAL, CONSIDERED
Put the numbers to work.
04 / CAPITAL, CONSIDERED
Keep these on the shortlist.
Hard Money LoansHard money can solve time-sensitive real estate problems when collateral, basis, and exit are stronger than the borrower's ability or willingness to wait for conventional underwriting.Commercial Real Estate LoansCommercial real estate financing turns on property type, income, occupancy, leverage, borrower strength, business use, and exit—not just the street address.DSCR LoansDSCR lending focuses heavily on whether property cash flow can support the obligation, making the asset's economics central to the financing conversation.
Q / CAPITAL, CONSIDERED
A question worth asking.
What makes a credible bridge exit?
Document the expected sale or takeout financing, the milestones required and a fallback if value, occupancy or timing changes.
YOUR NEXT MOVE
Make your next move an informed one.
Start with your profile. Understand the tradeoffs. Prepare a clear request.