Multifamily Bridge Loans

We provide bridge financing for a variety of multifamily investment projects, including:

• Apartment buildings with 5 or more units
• Mid-size to large apartment complexes
• Mixed-use properties (with at least 51% residential use)
• Value-add multifamily properties requiring renovation
• Distressed or underperforming multifamily assets
• Ground-up multifamily construction projects
• Commercial-to-residential conversion properties

We offer flexible loan amounts based on the size and scope of your multifamily project. There is no set minimum or maximum; loan size is determined by factors such as property value, total project cost, borrower experience, and local market conditions. We can finance up to 85% of the total cost, depending on the strength of the deal and exit strategy. Each loan is structured to match the specific needs of the project.

Terms are typically short-term and interest-only, designed to bridge the gap between acquisition, renovation, and permanent financing. We can close in as little as 7 days and offer financing up to 85% of total project cost. Rates and terms vary based on several factors, including property type, market conditions, borrower experience, loan amount, and exit strategy. Because each project is unique, we tailor every loan structure to fit the specific needs of the deal. To receive exact rates and terms, we recommend speaking with one of our loan specialists who can review your scenario and provide a customized quote. Call (410) 593-1413.

While experience is a strong advantage, it’s not a strict requirement. Dominion Financial evaluates each borrower on a case-by-case basis. We typically look for a demonstrated track record in real estate, but that can come from a range of backgrounds – including multifamily ownership, single-family fix and flips, commercial projects, or development experience. If you’re newer to multifamily, having a strong financial position, a qualified team, and a well-structured business plan can help offset limited experience. Ultimately, approval depends on the overall strength of the borrower, the complexity of the project, and the viability of the deal.

Yes. Value-add scenarios we fund include:

• Distressed multifamily properties needing renovation
• Underperforming assets requiring repositioning
• Properties with deferred maintenance
• Units needing interior/exterior upgrades
• Amenity improvements (pools, gyms, common areas)
• Rent roll optimization projects

We can close multifamily bridge loans in as little as 7 days, depending on the complexity of the deal. As a direct lender with in-house underwriting and no reliance on third parties, we control the entire process, allowing for fast approvals and streamlined execution.

In many cases, we do not require a formal appraisal for multifamily bridge loans. Our in-house evaluation process allows for faster underwriting and quicker closings by avoiding unnecessary third-party delays.

However, in some situations (such as complex projects, larger loan amounts, or unique property types) we may require third-party reports to ensure proper due diligence and investor protection. These requirements are determined on a case-by-case basis, with the goal of balancing speed with sound underwriting.