Acquisition timing
Close on an investment property before the permanent capital plan is ready.
Bridge Loan
Bridge Lending financing
Short-term real-estate financing for the period before a sale or permanent loan fits: acquisition, renovation, lease-up, repositioning, seasoning, or stabilization.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.
Published Program Parameters
Bridge Lending terms at a glance
These figures are program parameters, not a quote. The complete transaction determines available leverage, structure, pricing, and approval.
- Loan Amount
- Up to $5M
- Term
- 6–24 months
- LTV
- Up to 75%
- Min DSCR
- 1.0x–1.2x
- Exit Strategy
- Refinance or sale
Use Cases
When Bridge Lending may fit
The loan category is the starting point. Property, sponsor, leverage, timing, and exit still have to work together.
Lease-up or repositioning
Carry an asset through occupancy growth, improvements, or operating stabilization.
Seasoning before permanent debt
Create the documented ownership, rent, or operating history required for the intended refinance.
Underwriting Lens
What the first review tests
A useful submission explains the transaction in numbers and shows how the intended outcome will be reached.
- Purchase price, basis, and current value
- Existing debt and requested leverage
- Property condition and improvement plan
- Occupancy, income, and stabilization milestones
- Sponsor liquidity and carrying capacity
- Specific refinance or sale exit
Submission Checklist
What to assemble
- Purchase contract, deed, or current payoff
- Rent roll and operating information when applicable
- Capital-improvement budget and schedule
- Current property photos and condition report
- Sponsor experience and liquidity evidence
- Permanent-financing or sale exit assumptions
Illustrative Review
How the pieces are read together
An investor is acquiring a partially occupied property and plans to complete modest improvements, lease the remaining space, and refinance after stabilization. RAMM would test current value, occupancy, capex, carrying cost, lease-up timing, liquidity, and the proposed permanent-loan exit.
Illustrative only. This example is not an offer, approval, representation of available terms, or promise that a similar request will qualify.
Common Friction
What can slow the file down
- Using “refinance later” without a measurable takeout plan
- A term shorter than a realistic lease-up or construction schedule
- Thin reserves for carry, improvements, or delays
- Value assumptions that depend on uncompleted milestones
- Existing debt or liens that are not fully disclosed
Frequently Asked Questions
Bridge Lending questions
How long is a bridge loan?
The published program term is 6–24 months. The appropriate term and any extension structure depend on the business plan and underwriting.
Does a bridge loan require an exit strategy?
Yes. A supported refinance or sale is central to the review because bridge financing is designed for a defined transition period.
Can bridge proceeds fund improvements?
Qualified capital improvements may be considered when the scope, budget, value creation, timeline, and draw process are documented.
Bring Us the Scenario
Submit a Bridge Lending scenario
Send the property, request, sponsor, timing, and exit. A complete file produces a faster and more useful preliminary review.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.