Purchase Financing

Whether acquiring a stabilized multifamily building, office property, industrial asset, or retail center, we source the right permanent or bridge acquisition loan — structuring deals to maximize proceeds and minimize execution risk from letter of intent through closing.

Ideal For

• Stabilized multifamily, office, retail, and industrial acquisitions
• Value-add acquisitions requiring bridge-to-permanent execution
• 1031 exchange purchases with tight identification timelines
• Owner-occupied commercial real estate purchases
• Portfolio acquisitions across multiple asset types

Lender Options

• Agency (Fannie Mae, Freddie Mac) for multifamily acquisitions
• HUD/FHA for large multifamily and healthcare assets
• CMBS conduit for stabilized commercial properties
• Life insurance companies for core, long-term hold assets
• Commercial banks, credit unions, and SBA lenders
• Bridge and debt fund lenders for transitional acquisitions

Typical Terms

• Loan amounts: $2M – $100M+
• LTV: up to 75–80% depending on asset and lender type
• Fixed and floating rate options available
• 5, 7, 10, 15, and 30-year terms depending on product
• Non-recourse options for qualified stabilized assets

Refinance Solutions

From maturing loans to cash-out recapitalizations, we work across the full spectrum of permanent lenders — banks, life companies, CMBS, and agency — to find the most competitive refinance execution for your asset, your timeline, and your goals.

Types of Refinances

• Rate-and-term refinance at loan maturity or early payoff
• Cash-out refinance to recapitalize equity for reinvestment
• Refinance out of a bridge loan upon stabilization
• Portfolio refinances across multiple properties
• Agency streamline refinances for existing Fannie/Freddie loans
• Supplemental loans on existing agency-financed properties

Ideal For

• Owners approaching loan maturity seeking best execution
• Value-add sponsors ready to refinance out of bridge debt
• Investors seeking to pull equity from appreciated assets
• Stabilized properties now qualifying for permanent debt

Typical Terms

• Loan amounts: $2M – $100M+
• LTV: up to 75% rate-and-term; 65–70% cash-out
• Fixed and floating rate options
• Non-recourse options for qualified stabilized assets
• Interest-only periods available on select products

What is Construction Lending?

Construction loans fund the development or substantial rehabilitation of a property, disbursing in draws as work is completed. The loan typically converts to a permanent or bridge facility at project completion.

Product Types

• Ground-up construction — multifamily, mixed-use, industrial, retail
• Substantial rehabilitation loans for major renovation projects
• Construction-to-permanent (C-to-P) one-close financing
• Mini-perm facilities bridging completion to stabilization
• HUD 221(d)(4) for ground-up or substantial rehab multifamily
• SBA 504 construction for owner-occupied commercial

Ideal For

• Experienced developers with proven construction track records
• Ground-up multifamily, industrial, and mixed-use projects
• Value-add repositioning requiring significant capital investment
• Developers seeking a clear path to agency takeout at stabilization

Typical Terms

• Loan amounts: $2M – $50M+
• LTC (Loan-to-Cost): up to 75–80%
• Term: 18–36 months plus extension options
• Draw schedules tied to construction milestones
• Interest charged only on drawn funds

What is Bridge Lending?

Bridge loans are short-term, asset-backed loans typically ranging from 12 to 36 months, providing immediate liquidity for acquisitions, repositioning, or situations where a property doesn't yet qualify for permanent financing.

Ideal For

• Multifamily and commercial acquisitions requiring quick close
• Value-add properties with below-stabilized occupancy
• Sponsors in active lease-up or renovation phases
• Time-sensitive 1031 exchange transactions
• Properties with distressed or complex existing debt

Typical Terms

• Loan amounts: $2M – $100M+
• LTV: up to 75–80% of as-is value
• Rates: SOFR + spread (floating rate)
• Non-recourse options available
• Interest-only during bridge period

Our Approach

We maintain direct relationships with 200+ bridge lenders including debt funds, life companies, and mortgage REITs — enabling competitive terms and fast execution for our clients.

What is Preferred Equity?

Preferred equity occupies the capital stack between a senior loan and the sponsor's common equity. It carries a fixed preferred return and priority in distributions, providing investor protection while preserving sponsor ownership and upside.

How It Works

• Preferred investor receives a fixed or accruing return (typically 8–14%)
• Paid ahead of common equity distributions
• No dilution of GP ownership interest
• Structured as equity — not recorded as senior debt
• Can stack above bridge or permanent senior financing

Ideal For

• Sponsors seeking 80–90%+ total capitalization
• Gap financing on acquisitions or recapitalizations
• GP recovery or deal restructuring scenarios
• Projects needing flexible, non-dilutive capital

Our Expertise

Deep experience structuring preferred equity alongside bridge and permanent loans — including waterfall structures, promote arrangements, and GP recovery mechanisms to align incentives across the capital stack.

What is Structured Finance?

Structured finance involves assembling multiple capital sources — senior debt, mezzanine, preferred equity, and JV equity — into a cohesive financing plan tailored to the specific needs of a complex transaction.

Product Types

• CMBS (Conduit) loans for stabilized commercial assets
• Agency financing — Fannie Mae, Freddie Mac, HUD
• Mezzanine debt with intercreditor agreements
• C-PACE financing for energy-efficient improvements
• Ground lease and sale-leaseback structures
• JV equity and co-GP arrangements

Ideal For

• Transactions requiring creative capital layering
• Complex sponsorship or ownership structures
• Large multifamily and mixed-use properties
• Institutional-quality assets seeking maximum proceeds

Our Role

We serve as your capital architect — analyzing the deal, identifying the optimal structure, and managing the full placement process from lender identification through closing.

What We Offer

Our capital markets advisory goes beyond loan placement. We provide strategic guidance on capital stack optimization, lender positioning, and market timing — helping clients make informed financing decisions at every stage of the asset lifecycle.

Advisory Services

• Debt capital markets strategy and lender selection
• Loan sizing and proceeds maximization analysis
• Rate cap and hedging strategy guidance
• Refinance and recapitalization planning
• Lender relationship management
• Offering memorandum and deal packaging

Our Network

• Debt funds and mortgage REITs
• Commercial banks and credit unions
• Life insurance companies
• Agency lenders (Fannie, Freddie, HUD)
• Private family offices and high-net-worth capital
• CMBS conduit lenders

Why It Matters

Access to the right capital source at the right moment can make or break a transaction. We leverage deep market relationships and current rate intelligence to position your deal competitively.

What is Hard Money Lending?

Hard money loans are short-term, asset-backed loans underwritten primarily on collateral value rather than borrower credit or income. They offer speed and flexibility conventional lenders cannot match — often closing in days, not weeks.

When Hard Money Makes Sense

• Auction or distressed purchases requiring immediate close
• Borrowers with credit challenges or complex income documentation
• Properties requiring significant rehab that banks won't finance
• Fix-and-flip or short-hold value-add strategies
• Bridge situations where a conventional lender has withdrawn
• Foreign nationals or entities without U.S. credit history

Typical Terms

• Loan amounts: $500K – $20M+
• LTV: up to 65–70% of as-is or ARV value
• Rates: typically 9–14% depending on risk profile
• Term: 6–24 months, interest-only
• Close in as little as 5–10 business days

Exit Strategy is Key

Hard money is most effective with a clear exit plan — refinancing into conventional debt, asset sale, or transitioning to a bridge loan once the property stabilizes. We help structure that path from day one.