Life Company Bridge Loans in the Value-Add Space

Seizing the right opportunity at the right time can make all the difference. With traditional banks sidelined and opportunities in the value-add sector ripe for the taking, it's time to explore alternative financing options that can fuel your growth and expansion plans. Enter the life company bridge loan program—an opportunity in a market hungry for innovation and flexibility.

Bridge Loan Essentials

Our fixed-rate bridge loan program offers a path to unlocking the potential of value-add properties without the constraints of traditional lending practices. Here's what you need to know:

• Loan Amounts: Ranging from $3 million to $20 million, our program is tailored to accommodate a diverse range of investment needs.

• No Interest Rate Cap Needed: The fixed-rate program eliminates the need for an expensive rate cap.

• Term: With a flexible term of 3 years, you have the freedom to execute your value-add strategy without being rushed into short-term decisions.

• Spreads: Spreads range from 400 to 650 basis points over the 3-year US Treasury Yield, ensuring competitive rates that align with your financial goals.

• Property Types: Whether it's multi-family, industrial, retail, or self-storage, our program caters to a wide array of property types, providing versatility and adaptability to your investment strategy.

• Amortization: Enjoy full-term interest-only payments, easing the burden on your cash flow and providing breathing room to execute your value-add plan effectively.

• LTV/LTC: With LTV/LTC ratios of up to 85%, you can leverage your investment to its fullest potential, maximizing returns and unlocking value.

• Prepayment: Benefit from flexible prepayment options, including yield maintenance through year 2 and a 1% prepayment fee for the subsequent 6 months, allowing you to navigate changing market conditions with ease.

• Fees: Our origination fee is set at 2% for loans below $10 million and 1.50% for loans over $10 million. Additionally, an exit fee of 0.50% may be waived with refinancing, providing cost-effective solutions tailored to your needs.

• Recourse Component: While most loans will have a partial recourse component and/or interest reserve, our program offers added flexibility to accommodate your unique financial situation.

• Additional Fundings: Capex/TILC funding is available on a case-by-case basis, providing additional resources to support your value-add initiatives and drive growth.

Unlocking Potential: Ideal for Value Add Strategies

This program is ideally suited for value-add strategies on properties in transition. Whether you're targeting pre-stabilized leasing or stabilizing occupancy rates while converting below-market rents to market rates, our bridge loan program provides the financial flexibility and support you need to execute your vision successfully.

Don't let traditional lending constraints and expensive interest rate caps hold you back—schedule an appointment with me to seize an opportunity with our life company bridge loan program.

Schedule a 15-minute complimentary consultation:

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