Bridge Lending (Residential 1-4 Bridge Loans)
Capitalize on time-sensitive opportunities with our fast and flexible Bridge Lending solutions. Whether you’re acquiring a new property, stabilizing an asset, or refinancing for short-term needs, our bridge loans are designed to move at the speed of your deals. With quick closings and no DSCR requirements, you can confidently take the next step in your investment strategy without delays.
Why Choose Us?
Key Features of Our Office Property Financing
- Loan Amounts: $500,000 to $100 million+
- Loan Types: Acquisition, Refinancing, Construction, Value-Add Renovations, and Repositioning
- Max Loan-to-Value (LTV): Up to 75%
- Amortization Terms: 20–30 years
- Interest Rates: Competitive rates available upon request
- Time to Close: Deal specific, but typically 45–60 days on average
Borrower Requirements
- Minimum FICO: Underwriting Specific – see below
- Recourse and Non-Recourse options available
- Strong property financials and stable tenant mix preferred
- Occupancy Types: Owner-occupied or investor-owned properties
Specialized Office Financing Considerations
Our office property financing solutions are tailored to address the following factors:
- Tenant Mix: Evaluate the stability and diversity of tenants, including anchor tenants and small businesses.
- Lease Structures: Analyze lease terms, escalations, and tenant creditworthiness.
- Market Trends: Assess the property’s location, demand for office space, and nearby amenities.
- Property Use: Finance a variety of office property types, including single-tenant, multi-tenant, and medical offices.
- Value-Add Opportunities: Provide funding for renovations, upgrades, or repositioning to attract tenants and improve cash flow.
Example Property Types We Finance
- Class A, B, and C Office Buildings
- Medical Office Buildings
- Single-Tenant Office Properties
- Multi-Tenant Office Parks
- Co-Working Spaces
- Mixed-Use Developments with Office Components
Tailored Solutions for Office Property Owners and Investors
Whether you’re looking to acquire a new office property, refinance an existing one, or fund value-add improvements, we provide end-to-end support to ensure a seamless financing process.
Contact Us Today
Ready to explore financing options for your multifamily property? Contact our team to discuss your needs and discover customized solutions.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Term Lending (Non-SBA)
| Time Required to Close | 10-21 days |
| Loan Size | $350K – $2M |
| Loan Type | Bridge Loan |
| Loan Purpose | Acquisition & Rehab |
| Max LTV | Up to 87.5% (based on experience) |
| Terms | 12 Months (extensions available) |
| Amortization | Interest Only |
| Rates | Market + Adjustments |
| DSCR Requirement | Sale: 10% profit margin / Rental: 10% rent yield |
| Lien Position | First Lien Only |
| Borrower Entity | LLC, LP, Corp, Trust, IRA/401k |
| Minimum FICO | 640 |
| Prepayment Penalty | Optional, max 6 months |
| Recourse | Full Recourse |
| Occupancy Requirement | Non-Owner Occupied Only |
| Lender Origination Fees | 1-3 points |
| Broker Fees | Up to 2 points |
| Due Diligence Retainer | $2,500 |
| Packaging Deposit | $1,295 Processing, $895 UW |
| Locations | All US states except: AK, ND, SD, VT, NV |
| Special Requirements | Min property value: $100K, Experience verification, Min liquidity requirements, Exit Strategy |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s SBA 504/7a
| Time Required to Close | 14-21 days |
| Loan Size | $350K – $2M |
| Loan Type | Bridge Loan |
| Loan Purpose | Refinance Existing Debt |
| Max LTV | See base LTV matrix |
| Terms | 12 Months (extensions available) |
| Amortization | Interest Only |
| Rates | Market + Adjustments + 0.125% |
| DSCR Requirement | Sale: 10% profit margin / Rental: 10% rent yield |
| Lien Position | First Lien Only |
| Borrower Entity | LLC, LP, Corp, Trust, IRA/401k |
| Minimum FICO | 660 |
| Prepayment Penalty | Optional, max 6 months |
| Recourse | Full Recourse |
| Occupancy Requirement | Non-Owner Occupied Only |
| Lender Origination Fees | 1-3 points |
| Broker Fees | Up to 2 points |
| Due Diligence Retainer | $2,500 |
| Packaging Deposit | $1,295 Processing, $895 UW |
| Locations | All US states except: AK, ND, SD, VT, NV |
| Special Requirements | No defaulted loans, Must provide payoff letter & payment history, 6-month seasoning |
Kastali’s Cash-Out
| Time Required to Close | 14-21 days |
| Loan Size | $350K – $1.5M |
| Loan Type | Bridge Loan |
| Loan Purpose | Utilize Equity for Business Purposes |
| Max LTV | See base LTV matrix with -5% adjustment |
| Terms | 12 Months (extensions available) |
| Amortization | Interest Only |
| Rates | Market + Adjustments + 0.25% |
| DSCR Requirement | Sale: 10% profit margin / Rental: 10% rent yield |
| Lien Position | First Lien Only |
| Borrower Entity | LLC, LP, Corp, Trust, IRA/401k |
| Minimum FICO | 680 |
| Prepayment Penalty | Optional, max 6 months |
| Recourse | Full Recourse |
| Occupancy Requirement | Non-Owner Occupied Only |
| Lender Origination Fees | 1-3 points |
| Broker Fees | Up to 2 points |
| Due Diligence Retainer | $3,500 |
| Packaging Deposit | $1,495 Processing, $995 UW |
| Locations | All US states except: AK, ND, SD, VT, NV |
| Special Requirements | No defaulted loans, Must provide payoff letter & payment history, 12-month seasoning |
***Rates and terms subject to change without notice.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Portfolio
| Time Required to Close | 21-30 days |
| Loan Size | $350K – $3M |
| Loan Type | Bridge Loan |
| Loan Purpose | Portfolio of Bridge Loans |
| Max LTV | Up to 75% (case-by-case) |
| Terms | 12 Months (extensions available) |
| Amortization | Interest Only |
| Rates | Custom Pricing |
| DSCR Requirement | 1.0x minimum (case-by-case) |
| Lien Position | First Lien Only |
| Borrower Entity | LLC, LP, Corp, Trust |
| Minimum FICO | 700 |
| Prepayment Penalty | Customizable |
| Recourse | Full Recourse (Limited Recourse case-by-case) |
| Occupancy Requirement | Non-Owner Occupied Only |
| Lender Origination Fees | 1-4 points |
| Broker Fees | Up to 3 points |
| Due Diligence Retainer | $5,000 |
| Packaging Deposit | $1,495 Processing, $995 UW |
| Locations | Nationwide except AK, HI |
| Special Requirements | Custom structures, Cross-collateral ok, Portfolio pricing |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.