Bridge Loans
Short-term financing (6–36 months) designed for transitional situations. Interest-only payments. Non-recourse available. The #1 tool for borrowers facing imminent maturity who need time to stabilize, lease up, or wait for permanent financing.
Best for: Urgent maturity refinance, value-add, lease-up, repositioning, bridge-to-sale, bridge-to-perm.
Agency Debt (Fannie Mae / Freddie Mac)
Non-recourse permanent financing for stabilized multifamily. The most competitive rates in the market for apartment refinancing. Fannie/Freddie are actively lending even as banks pull back.
Best for: Stabilized multifamily, affordable housing, student housing, senior housing.
CMBS Conduit
Commercial mortgage-backed securities financing. Non-recourse, fixed-rate, all property types. Slower to close (60–90 days) but provides full proceeds when conventional banks won't.
Mezzanine Debt & Preferred Equity
Stacks on top of senior debt to fill the equity gap created by LTV compression. When your senior lender caps out at 60% and you need 80%, mezz/pref equity bridges the difference.
Private Capital, Hard Money & Hedge Funds
Asset-based lending from debt funds, hedge funds, family offices, and private investors. Story lending — they underwrite the deal, not the borrower's tax returns. Speed and flexibility over rate.
C-PACE Financing
Property-assessed clean energy financing for qualifying energy, water, and resilience improvements. Can retroactively reimburse for past qualifying improvements. Available in 40 states + DC.
SBA 504 / 7(a)
Government-backed financing for owner-occupied commercial real estate. 10–25 year terms. Fixed-rate options. The best tool for small business owners refinancing their property.
Rescue Capital & Recapitalization
When default is imminent and conventional refinancing isn't possible, rescue capital from family offices and opportunistic funds can recapitalize the deal. Preserves ownership when the alternative is foreclosure.