Multifamily and Mixed Use Bridge Loans: Acquisitions, Refi, Lease-Up

Multifamily and Mixed Use Bridge Loans | Acquisitions, Refi, Lease-Up

Multifamily and Mixed Use Bridge Loans

We structure and underwrite bridge financing for multifamily and mixed use assets. Acquisitions, refinance, value add, lease up, and construction takeout. Senior bridge debt, mezzanine, and preferred equity with clear covenants, reserves, and a tight closing plan. Full KYC, AML, and sanctions screening on every mandate.

What We Finance

Acquisitions
Time sensitive buys, loan assumptions, fractured condo takeovers, and portfolio carve outs.
Refinance
Maturity walls, partner buyouts, cash out for capex, and rate reset solutions.
Value Add and Lease Up
Unit renovations, common area upgrades, re-tenanting of street retail, and stabilization to perm.
Construction Takeout
Post C.O. bridges with DSCR ramp, reserve sizing, and exit to agency, bank, or life company debt.

Target Asset Profiles

Multifamily Class A to C
Garden, mid-rise, and high-rise with realistic rent steps and proven absorption.
BTR and Townhome
Build to rent communities with lease up plans and comps that support the thesis.
Student Housing
Walk to campus or strong shuttle access with pre leasing milestones and rent rolls by bed or by unit.
Mixed Use Urban
Residential over street retail with credit or service tenants and sensible TI and LC budgets.
Suburban Town Centers
Residential with a small retail podium and realistic absorption for both uses.

Capital Stack We Arrange

Senior Bridge
First lien, interest only, with reserves for interest, taxes, insurance, and capex sized to the plan.
Mezzanine
Second lien or unsecured with tested intercreditor terms to bridge equity gaps.
Preferred Equity
Structured distributions and control rights that sit outside the mortgage.

What Improves Approval

Realistic Business Plan
Unit scope, rent premiums, and lease up timing backed by vendor quotes and market comps.
Sponsor Track Record
Closed deals, prior turnarounds, and operational depth with third party management if needed.
Exit Visibility
Agency, bank perm, or sale comps that clear the stack inside term with tested DSCR.
Clean Controls
Cash management, reserve mechanics, KPI reporting, and budget variance limits.

Typical Terms

  • LTV. Up to 70 percent of as is value. Up to 75 percent on stabilized multifamily with strong comps.
  • LTC. Up to 80 percent on value add with verified capex and contingency.
  • Loan size. USD 3 million to USD 150 million. Larger on a club basis.
  • Tenor. 12 to 36 months with extension options tied to milestones.
  • Pricing. Floating rate with spread set by DSCR, leverage, and business plan risk.
  • Covenants. Minimum DSCR, liquidity floor, monthly KPI reporting, and lease up benchmarks.

Process

1

Screen and Structure

We assess story, collateral, market, and exit. We map capital stack, reserves, and closing timeline.

2

Underwrite and Term Sheet

We price with lenders and private credit funds, align intercreditor terms, and issue a term sheet with conditions precedent.

3

Documentation and Close

We finalize loan documents, security, reserves, and reporting. Funds flow and post close milestones are set.

What To Send For Pricing

Financials
Trailing 24 months P&L, T 12 and T 3, rent roll, balance sheet, lender statements, and tax returns.
Asset and Market
OM or summary, leases, photos, capex plan with bids, appraisal or BOV, and leasing or sales comps for both uses.
Sponsor
Bio, track record, REO, org chart, GC and property manager details, and any third party agreements.

Request A Multifamily or Mixed Use Bridge Term Sheet

Send address, loan amount, uses of proceeds, business plan, and target closing date. We will revert with lender route, pricing, and a checklist.

Start Your Funding Mandate

Financely is an arranger and underwriter. We are not a direct lender. Engagements are best efforts and subject to due diligence, KYC and AML, sanctions screening, and approval by lending partners. Nothing here is a commitment to lend or to buy securities.

Frequently Asked Questions

How much sponsor equity is typical on multifamily bridge loans?
Plan for 10 to 25 percent of total uses depending on leverage, business plan risk, and market strength. Mezzanine or preferred equity can narrow the cash ask where coverage is strong.
Can interest, taxes, insurance, and capex be reserved during lease up?
Yes. We size reserves to match the plan and stabilize DSCR before conversion to permanent debt.
How do lenders view the retail podium in mixed use assets?
Street retail is underwritten to credit or service tenants with realistic downtime and TI and LC budgets. Non credit tenants require tighter controls and cash sweeps until stabilization.
Will lenders close if the property is only partially leased?
Yes with a credible leasing plan, pre leasing evidence, and reserves tied to milestones. Weekly leasing and capex reporting help.
How fast can a multifamily or mixed use bridge loan close?
Three to six weeks after a clean file and third party reports. Add time for complex title or environmental items.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

Trade Finance

Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.

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Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

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Acquisitions

Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

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For Banks

Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.

Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.