Strategies/Bridge Loans

Bridge Loans

First-mortgage bridge financing for multifamily and healthcare properties being bought, leased up or repositioned, with a defined exit from day one.

$2.5B+
Closed nationwide with affiliates
National
Lender, with loans in every state
MAP & LEAN
Approved affiliate for the HUD exit
The short answer

What is a Bravo Property Trust bridge loan?

A short-term, first-mortgage loan for a multifamily or healthcare property that is being acquired, leased up or repositioned. It gives the property time to stabilize, then is repaid by a long-term loan, often a HUD-insured permanent loan through affiliate Bravo Capital.

When it fits

When does a bridge loan make sense?

Three situations BPT's bridge lending is built for.

Acquisition

Buying before it's stable

Close quickly on an apartment building or senior care property that doesn't yet qualify for long-term financing.

Lease-up

Filling a new building

Carry a newly finished property while occupancy and income build toward a permanent loan.

Repositioning

Improving the property

Fund the period while an owner upgrades units, operations or management, then refinance at the improved value.

Bridge-to-HUD

How does a bridge loan lead to a HUD loan?

BPT's Bridge-to-HUD loans are planned from day one to move into a HUD-insured permanent loan.

1

Bridge

BPT closes a first-mortgage bridge loan, underwritten in-house.

2

Stabilize

The property leases up or completes its improvements while the HUD application is prepared.

3

HUD

Affiliate Bravo Capital, MAP and LEAN approved, refinances into HUD 223(f), 221(d)(4) or 232.

Example: BPT's $68 million senior construction loan for the 180-unit Waterwalk development in Bayonne, New Jersey, was structured as a Bridge-to-HUD loan.

Common questions

Bridge loans: what borrowers ask

Does Bravo Property Trust make bridge loans in New York City?

Yes. BPT is based at 780 Third Avenue in Manhattan and is a national lender that makes loans in every state. Its New York City financings include Pearl Street in DUMBO, Brooklyn.

Which properties qualify for a BPT bridge loan?

Multifamily and healthcare properties, including assisted living and skilled nursing, in acquisition, development, lease-up or repositioning.

Does a bridge loan guarantee a HUD loan later?

No. HUD makes its own decision. BPT plans the bridge around a realistic HUD exit, and Bravo Capital, which had a 100% HUD closing rate in 2025, processes the HUD loan.

Can a bridge loan and a mezzanine loan come from the same lender?

Yes. Mezzanine is often combined with a BPT bridge or construction loan, with one underwriting team, one timeline and one closing.

How fast can I get a term sheet?

BPT underwrites in-house. A senior member of the team reviews every request, and term sheets come in days, not weeks.

How do I send a bridge deal?

Use the Contact page or call +1 (212) 258-1000 with the property, the loan amount, your timing and your planned exit.

Need to close before the property is stable?

Speak directly with a decision-maker about bridge, Bridge-to-HUD or mezzanine financing.

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