Multifamily Bridge Loans (Nationwide)
Multifamily bridge loans are one of the most common forms of transitional financing in commercial real estate. Investors use these loans to acquire, renovate, and stabilize apartment buildings before refinancing into long-term agency or DSCR loans.
Why Multifamily Bridge Loans Are Popular
Strong Demand: Multifamily remains one of the most resilient asset classes across all economic cycles.
Value-Add Opportunities: Bridge loans support unit renovations, amenity upgrades, exterior improvements, and operational improvements that increase rental income.
Fast Closings: Investors can secure deals quickly in competitive markets where timing is critical.
Typical Multifamily Bridge Loan Terms
- Loan amounts: $1M – $50M+
- Leverage: Up to 75% LTV / 85% LTC for value-add
- Terms: 12–36 months, interest-only
- Non-recourse available on qualifying deals
- Extension options available
Eligible Multifamily Properties
- Garden-style apartment communities
- Mid-rise and high-rise buildings
- Workforce housing
- Student housing
- Mixed-use with residential majority
Common Exit Strategy
After stabilization, most multifamily bridge loans exit into Fannie Mae or Freddie Mac agency financing, HUD loans, or bank portfolio loans — typically at significantly lower interest rates and longer amortization terms.