MCF CRE · CRE Tools

Bridge Loan Exit Strategy

Model lease-up timeline, interest reserve adequacy, and refi into permanent financing at stabilization.

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File Identifiers

Borrower Name

Entity Name

Account Manager Name

Property Address

Loan #

These identifiers are saved on this device and auto-fill across every MCF Real Estate Capital form.

Bridge Loan

Bridge Loan Amount

Interest Rate (all-in)

Bridge loans are typically I/O

Initial Term

months

Extension Option

months

Interest Reserve

Property / Business Plan

Current NOI

In-place stabilized NOI today

Stabilized NOI

NOI at full stabilization

Months to Stabilization

months

Exit / Refi Cap Rate

Permanent Loan Requirements

Max LTV

Minimum DSCR

Perm Rate

Amortization

yrs

Exit Strategy Verdict

⚠ Exit at Risk

Low Risk

✗

DSCR Qualifies

✓

LTV Qualifies

✗

Reserve OK

Timeline Analysis

Time to Stabilization18 months

Bridge Term (initial)24 months

With Extension30 months

12 month buffer before maturity — comfortable

Interest Reserve Adequacy

Interest needed (18 months)$855,000

Reserve funded$700,000

Shortfall: $155,000 — borrower covers or increase reserve

Reserve runway: 14 months of full IO

Permanent Loan at Exit

Stabilized Value$10,086,957

Max by LTV$7,060,870

Max by DSCR$6,117,485

Actual Perm Loan$6,117,485

Annual Debt Service$464,000

Net Equity at Refi$3,969,471

Cash Out vs. Bridge+$117,485

Exit DSCR1.25x

Reserve Burn & DSCR Through Refi

Interest reserveBridge DSCRPerm DSCR (post-refi)

Interest reserve depletes by ~$47,500/month while NOI ramps from $320,000 to $580,000 over 18 months. The dashed line marks the refi event when permanent loan DSCR begins.

All calculators are for informational and illustrative purposes only. Results do not constitute a commitment to lend. Actual loan terms depend on underwriting, market conditions, and lender approval. Consult a licensed financial or tax advisor before making investment or financing decisions.