%PDF-1.7 1 0 obj << /Type /Catalog /Outlines 2 0 R /Pages 3 0 R >> endobj 2 0 obj << /Type /Outlines /Count 0 >> endobj 3 0 obj << /Type /Pages /Kids [6 0 R 20 0 R ] /Count 2 /Resources << /ProcSet 4 0 R /Font << /F1 8 0 R /F2 9 0 R /F3 10 0 R /F4 11 0 R >> /ExtGState << /GS1 16 0 R /GS2 17 0 R /GS3 18 0 R /GS4 19 0 R >> >> /MediaBox [0.000 0.000 595.280 841.890] >> endobj 4 0 obj [/PDF /Text ] endobj 5 0 obj << /Producer (dompdf 1.0.2 + CPDF) /CreationDate (D:20250520045534+00'00') /ModDate (D:20250520045534+00'00') >> endobj 6 0 obj << /Type /Page /MediaBox [0.000 0.000 595.280 841.890] /Parent 3 0 R /Annots [ 12 0 R 14 0 R ] /Contents 7 0 R >> endobj 7 0 obj << /Filter /FlateDecode /Length 1888 >> stream xXr+z*vTRXJRq#`H"zT"(wyt>}:QD!e5rѫVua0rR9u*DŽt9\L]%H.0lC޼}|-T TBο0l0"OH?˹|nwU2\ یNB+@57/2wU D,xQZiÕr6 xGq2gKs[s ;q,4FaTx&hZMSX$A0M2FA?#Ubʡ3`9aH "8g]x<r=@#/2A<#UU͞Ӧ= a,fLk5 ̺[D?7+\D3qy Q`;30ͱMɌDS@ G?/d#gC: #UʢDVْ-2Ơ>Ztk4DBECuӎv.Azf3ԡ/բ3Lq'(W1|d--jW@r1٪h !?Κ1ޭ^/h׆9MWxߘ9}Tk4jXw?8ȓtD <D,H}@FioNFHȴhp?_va ?E{&||+}X{zFa%dG6\K_ta!Xwxݪ {'Pep~$mo/^}w[)|%toFB%MzP\Oy  d$0p1s TW|X@w׽_~0$"" ;] t(2='B endstream endobj 8 0 obj << /Type /Font /Subtype /Type1 /Name /F1 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 9 0 obj << /Type /Font /Subtype /Type1 /Name /F2 /BaseFont /Times-Bold /Encoding /WinAnsiEncoding >> endobj 10 0 obj << /Type /Font /Subtype /Type1 /Name /F3 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 11 0 obj << /Type /Font /Subtype /Type1 /Name /F4 /BaseFont /Helvetica-Bold /Encoding /WinAnsiEncoding >> endobj 12 0 obj << /Type /Annot /Subtype /Link /A 13 0 R /Border [0 0 0] /H /I /Rect [ 149.8137 318.0783 198.6972 331.0515 ] >> endobj 13 0 obj << /Type /Action /S /URI /URI (https://rpacommercialloans.com/commercial-property-loans/application-requirements/bridge-loans-checklist/) >> endobj 14 0 obj << /Type /Annot /Subtype /Link /A 15 0 R /Border [0 0 0] /H /I /Rect [ 218.5235 258.6251 279.4558 271.5982 ] >> endobj 15 0 obj << /Type /Action /S /URI /URI (https://rpacommercialloans.com/quick-app) >> endobj 16 0 obj << /Type /ExtGState /BM /Normal /CA 0.3 >> endobj 17 0 obj << /Type /ExtGState /BM /Normal /ca 0.3 >> endobj 18 0 obj << /Type /ExtGState /BM /Normal /CA 1 >> endobj 19 0 obj << /Type /ExtGState /BM /Normal /ca 1 >> endobj 20 0 obj << /Type /Page /MediaBox [0.000 0.000 595.280 841.890] /Parent 3 0 R /Contents 21 0 R >> endobj 21 0 obj << /Filter /FlateDecode /Length 1222 >> stream xV]o6}ϯ/6f%JG/Mi&.-Q6tHʮ]JPZvÀ@h{9R%Dp >?ED(լ.~_@R zCO>:te#;Bg;4{u- *FX= nF)PJ)ϰX`BmѪM`;OPba^!2[adW L@7Ҋ2d͊, ՘w(MNq6Pa6{/绹|qcK#Dz{.@_BHRFIJGxj[2_0&WܕeP/]C v^ThN5m-Wk@%*ڈ xF,c[Y"ϝ4٨^Oo!^*CAiGCr ˓H r1@-c9 Q6 ov8TM@6BB\'ϙ'rd3F$/3is[ҡ;/潾ȚA]TytK=V`NKz"A,!qP-4qzvY"4ߠhvZj?qSAeXGMAW=M@,*xB۬L߫YHE<;v#X+#4B^p YwM[f+MeĚ/%Z_>0/0FxheAj|㘱vY9`Ns :i^OZljlH%4Tj9G9^wJ@<hLRB"Pr9t]($.˳@rS)bd/7.OP WŇlYO#hҌV(Sqʐ8;씞HN;{? nԤ)#9vF%CMT< 57R=qJR 6,#1NiFc(ۋWocXYx@Qx6࣐U]-~dCad_39NSHFYYFssMĴHb%!!~;ʗLh_mMMVf)"%h+x=( endstream endobj xref 0 22 0000000000 65535 f 0000000009 00000 n 0000000074 00000 n 0000000120 00000 n 0000000379 00000 n 0000000408 00000 n 0000000557 00000 n 0000000686 00000 n 0000002647 00000 n 0000002756 00000 n 0000002864 00000 n 0000002972 00000 n 0000003085 00000 n 0000003213 00000 n 0000003370 00000 n 0000003498 00000 n 0000003590 00000 n 0000003649 00000 n 0000003708 00000 n 0000003765 00000 n 0000003822 00000 n 0000003927 00000 n trailer << /Size 22 /Root 1 0 R /Info 5 0 R /ID[<82779a56481dfe8e109ba9f5826d6aed><82779a56481dfe8e109ba9f5826d6aed>] >> startxref 5223 %%EOF Bridge Loans - RPA Commercial Loans
RPA Commercial Loans Logo
We Fund the American Dream

Bridge Loans

RPA Commercial Bridge
RPA Commercial Loans

As a national commercial mortgage brokerage, we at RPA Commercial Loans strive to get the best outcomes for our clients. Our strong relationships with local, regional, and national funding sources, including banks, credit unions, private equity firms, life companies, REITs, and syndicators provide us the best opportunity to meet your funding needs, regardless of loan amount.

Our purchase money and refinance options include bridge loans, rehab/construction, purchase-money, term loans, CMBS, SBA, USDA, Fannie Mae, Freddie Mac, and more.

Submit your application requirements to us today, and let us see what the marketplace has to offer for your needs.


Apply Now!
Bridge Loans


Bridge loans are one of the most common loan types we place. A bridge loan allows a property owner to get funds needed to upgrade a property, increase tenancy to 90% or more, wait for credit scores or other credit quality to improve.

A bridge loan usually lasts from six months to three years. Some bridge loans do not require payments during the term, as interest is capitalized. Other loans may require periodic interest payments.

Bridge loans are commonly used for fix-and-flip transactions and minor or major renovations. See our bridge loan checklist.

Property income is not a factor in approval, so a borrower needs to have a strong financial position and cash reserves to support an application for a Bridge Loan. Contact us today to get more information, or just hit the "Apply Now" button to get started.

Bridge Loans

Bridge loans are a good option for short-term (6 mos to 3 years) needs. With regard to multifamily, a bridge loan can allow you to rehab or upgrade a property or to increase occupancy to a level that will qualify for long-term financing (90-95%).


Fixed-Rate Loans

A fixed-rate loan offers payment certainty, as the only variations to your monthly payment will be annual increases in property taxes and insurance costs. In a declining interest-rate market, however, a fixed rate can work against you.


Adjustable-Rate Loans

Adjustable-rate loans usually offer lower interest rates than fixed-rate loans. In a declining interest-rate environment, your payment can actually decrease periodically. However, if interest rates rise, your payment will also increase.

LOAN CATEGORIES

Bank-Agency Loans
BANK/AGENCY LOANS

Referred to as Institutional, Permanent Loans, this category represents loans made to well-qualified borrowers. Debt Service Coverage Ratios from 1.25 to 1.55 and Occupancy Rates of 90% or greater, along with a high credit score are basic requirements for this type of loan. Most deals do not qualify for these best rates.

Alt-A
ALT-A

Usually deals that just miss the mark on A-Paper loans can qualify under Alt-A. Rates will be a little bit higher, but underwriting won't be as strict. DSCR ratios of 1.00 to 1.25 can qualify, and credit scores from 650 will be considered. Occupancy rates usually will need to be at 90% or greater for the last 90 days.

Hard Money Loan
HARD MONEY/bridge

Short-term loans fall into this category. This is our most popular loan option and allows a borrower to upgrade the property over six months to three years. Upgrades could involve renovation or rehabilitation, increasing occupancy, or simply improving the credit score or cash position of the borrower over time
.

Apply Now!
RPA Commercial Loans Logo

Links

Services

Contact Us

+1 (844) 250-LOAN (5626)
+1 (714) 475-2941
admin@rpa-us.com
30 N Gould Street, Suite R
Sheridan, WY 82801
Business Hours
Monday-Friday
9AM EST – 5PM PST
© 2024 RPA Commercial Loans - All Rights Reserved