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Stabilized Bridge Loans

Finance of America Commercial's new Stabilized Bridge loans provide you with more flexibility for your investment properties.

9.75%

*

As the market changes, so do we! Finance of America Commercial continues to adapt to the ever-changing rental market. With our newly developed bridge financing options on properties nationwide, our team will find the best option to reach your investment goals.

Key Facts About Our Stabilized Bridge

Stabilized Bridge - No DSCR
Stabilized Bridge - DSCR Exit
Purpose
To provide bridge financing on a property that was recently renovated or constructed and is currently/soon to be listed for sale
To provide bridge financing on a property that is currently rented or soon to be rented, but is not yet ready for permanent financing
Loan Amount
Min: $75,000
Max: $1,500,000 / larger loans allowed at lender discretion
Min: $75,000
Max: $1,000,000 for SFR,
$2,000,000 for 2-4 unit / larger loans allowed at lender discretion
Term Length
12 Months, up to 18 at lender discretion
12 Months, up to 18 at lender discretion
Property Types
Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos
Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos
Max LTC
85% of purchase price +
verified completed capex if property owned <6 months
85% of purchase price +
verified completed capex if property owned <6 months
Max LTV
700 FICO:
70% if property owned >6 months
660-699 FICO:
65% if property owned >6 months
70% LTV
Min DSCR
N/A
1.10 Exit DSCR based on lower of in place rent and market rent
Property Condition
C2 or better
C4 or better with no deferred maintenance
Min FICO
660
660
Collateral Restrictions
Property value within 90th percentile of market
No rural, exotic, or unique properties"
No rural, exotic, or unique properties
Stabilized Bridge - No DSCRStabilized Bridge - DSCR Exit

Max LTC

85% of purchase price + verified completed capex if property owned <6 months

85% of purchase price + verified completed capex if property owned <6 months

Max LTV

700 FICO:

70% if property owned >6 months

660-699 FICO:

65% if property owned >6 months

70% LTV

Min DSCR

N/A

1.10 Exit DSCR based on lower of in place rent and market rent

Min FICO

660

660

Purpose

To provide bridge financing on a property that was recently renovated or constructed and is currently/soon to be listed for sale

To provide bridge financing on a property that is currently rented or soon to be rented, but is not yet ready for permanent financing

Loan Amount

Min: $75,000

Max: $1,500,000 / larger loans allowed at lender discretion

Min: $75,000

Max: $1,000,000 for SFR,

$2,000,000 for 2-4 unit / larger loans allowed at lender discretion

Term Length

12 Months, up to 18 at lender discretion

12 Months, up to 18 at lender discretion

Property Types

Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos

Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos

Property Condition

C2 or better

C4 or better with no deferred maintenance

Collateral Restrictions

Property value within 90th percentile of market

No rural, exotic, or unique properties

No rural, exotic, or unique properties

Over $8 Billion in loans for Real Estate Investors
The Benefits of Choosing a Stabilized Bridge Loan
  • Stabilized bridge loans offer rapid capital access, enabling swift financing for investors, particularly in time-sensitive scenarios where traditional options are limited or entail lengthy approval processes.
  • By securing a stabilized bridge loan, investors can capitalize on exclusive investment prospects unavailable through traditional financing. This increases the potential for higher investment returns, particularly if the property’s value surges during the stabilization phase.
  • Stabilized bridge loans offer flexible repayment terms, enabling investors to customize the loan structure to their unique requirements. This can involve interest-only payments or the ability to postpone principal payments, alleviating financial strain and enhancing cash flow throughout the stabilization phase.

We have the product to meet your needs.

 Important Note: If you are a broker, please call your FACo Account Executive to initiate access to your new and enhanced portal. If you don’t know who your Account Executive is, please call (866) 464-3226 .

Get Started

Complete the form below and a member of our experienced sales team will reach out to you directly to discuss your goals and answer any questions you may have.









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