Close Fast.Refinance When Ready.
Short-term bridge loans for multifamily acquisitions, value-add projects, and lease-up stabilization. Competitive rates, fast approvals, 3–36 month terms.
$100K – $20M
Loan Range
12 – 36 Months
Loan Terms
Interest-Only
Payment Structure
As Fast as 10 Days
Close Time
Overview
Capital That Keeps Up with Your Strategy
Bridge loans provide short-term capital when permanent financing isn't yet appropriate — the property is under-stabilized, mid-renovation, or you need to close before a conventional underwriting timeline allows. They're the tool that lets investors move fast in competitive markets.
Our multifamily bridge program covers acquisitions, value-add renovations, lease-up periods, and note purchases. Interest-only payments keep your carrying costs low while you execute your business plan. Once stabilized, we can transition you directly into a permanent agency or portfolio loan.
The bridge-to-agency refinance is the most common exit strategy: acquire a value-add apartment building with a bridge loan, renovate and lease up to 90%+ occupancy over 12–24 months, then refinance into permanent Fannie Mae or Freddie Mac agency debt at the lowest multifamily rates available — typically 20–100 bps below comparable bank quotes, with non-recourse terms up to 30 years. Because Lumen handles both the bridge origination and the agency takeout, there's no need to re-qualify with a new lender at stabilization. Read our full guide: Bridge-to-Agency Refinance Explained.
Bridge financing is especially powerful in Oregon and California's competitive multifamily markets, where off-market deals and value-add opportunities require the ability to close quickly and fund renovations from day one. Whether you're acquiring a 12-unit with deferred maintenance at 70% occupancy or repositioning a 40-unit property with below-market rents, the bridge-to-permanent strategy lets you capture value that conventional financing timelines would miss.
Who This Is For
Bridge-to-Agency: The Standard Multifamily Play
Acquire with a bridge loan → renovate and lease up → refinance into Fannie Mae or Freddie Mac permanent debt at stabilization. We handle both stages in-house. Loan range: $100K–$20M. Terms: 12–36 months. Up to 80% LTC. Interest-only. Close in as fast as 10 days.
Key Features
What Makes This Program Work
Fast Approvals
Preliminary term sheets within 24 hours. Experienced deals can close in as few as 10–14 business days.
Value-Add Friendly
Finance properties that need renovation, repositioning, or lease-up — no seasoning of occupancy required at origination.
3–36 Month Terms
Choose your bridge term based on your business plan. Extension options available with demonstrated progress.
Interest-Only Payments
Pay interest only during the bridge period — maximizing cash for renovations and operations rather than principal paydown.
Exit to Permanent
We provide a clear path to permanent financing once the property stabilizes — same team, no surprises.
Up to 80% LTC
Finance up to 80% of total project cost (purchase + renovation budget) on qualifying value-add projects.
The Process
How It Works
Submit Your Deal
Share the purchase price, renovation budget, current occupancy, and your exit strategy. We respond with a term sheet within 24 hours.
Due Diligence
We order a bridge appraisal and review the property's condition. For value-add projects, a renovation budget breakdown is required.
Approval & Docs
Loan approval and doc prep typically complete within 5–7 business days of receiving a complete application package.
Close & Execute
Fund the deal and execute your business plan. We track progress and are ready to move you to permanent financing when you're stabilized.
Requirements
General Qualifications
Ready to See If You Qualify?
Every deal is unique. Give us a call or submit a quote request and we'll review your scenario, identify the right program, and walk you through your options — at no cost and with no obligation.
Licensed in Oregon & California · NMLS #1498678
Related Programs
Small Balance Multifamily
Permanent 5–50 unit financing after stabilization.
Multifamily Construction
Ground-up construction loans for 1–100 unit projects.
DSCR Investor
Qualify on the property's rental income — no personal income required.
Bridge-to-Agency Refinance Guide
How the two-stage financing play works — from acquisition bridge through permanent agency debt.
Value-Add Apartment Deals
Light vs. heavy rehab, capital stack structures, and bridge-to-agency exit strategies.
FAQ
Common Questions
From the Blog
Further Reading
Bridge LoansBridge Loans: Buy Your Next Home Before Selling Your Current One
In a competitive market, waiting to sell before you buy can cost you the home you want. A bridge loan lets you make a non-contingent offer using your existing equity — here's how it works.
MultifamilyValue-Add & Rehab Loans for Multifamily Apartments: The Complete Financing Guide for Investors
Buying a tired apartment building, forcing appreciation through strategic renovations, and refinancing at a higher value is one of the most proven wealth-building strategies in real estate — but the financing is more complex than a standard rental loan. Here's how value-add multifamily deals actually get funded.
InvestmentDSCR Loans Explained: How Real Estate Investors Qualify Without Tax Returns
If you're a real estate investor with strong rental income but complex taxes, a DSCR loan might be your best financing option. Here's exactly how they work and who they're designed for.
What Our Clients Say
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Ready to Finance Your Next Deal?
Our multifamily specialists respond within 1 business day with a custom term sheet tailored to your property and investment strategy.