MCP Short Term Bridge
Lending Criteria
MidPoint's Short Term Bridge program handles large, complex, and time-sensitive commercial transactions that most lenders won't touch — across 13 asset classes nationwide.
Loan Details
• Loan amounts from $15,000,000 to $75,000,000
• Up to 68% LTV (up to 80% with B-Note or Mezzanine)
• Floating rate: SOFR + 350–550bps | PIK/accrual available
• 1–3 year terms with 6–12 month extension options
• Interest-only
• Close in 5–20 days
• Non-recourse with bad boy carve-outs
• Sub-1.0x DSCR acceptable with debt service reserve
• TI/LC facility available
Who It's For
Experienced sponsors on complex deals — NPL, REO, DPO, heavy CapEx, value-add, lease-up, and construction-to-stabilization plays across multifamily, industrial, self-storage, hospitality, medical office, data centers, life sciences, parking, and more. If the deal is too complex for conventional lenders, bring it to us.
How It Works
Bring the deal and the business plan. MidPoint underwrites to the asset and the execution strategy — not just today's numbers. Fast decisions, structured flexibility, and certainty of close on transactions up to $75M.
Flex Bridge Loan
Prime Bridge Loan
Prime Bridge Loan
MidPoint Capital Partners, LLC offers a tiered suite of bridge lending products designed to meet the unique needs of real estate sponsors across the capital stack. Whether you're acquiring, repositioning, or preparing for an agency exit, our Flex, Prime, and Core bridge programs deliver speed, certainty, and structured flexibility — with competitive terms tailored to deal size and complexity.
Prime Bridge Loan
Prime Bridge Loan
Prime Bridge Loan
The Prime Bridge offering is tailored for mid-market multifamily sponsors with a clear exit strategy. With an attractive spread, it supports lease-up, renovations, or asset seasoning prior to a permanent loan takeout
Core Bridge Loan
Prime Bridge Loan
Bridge Loan | Residential
The Prime Bridge offering is tailored for mid-market multifamily sponsors with a clear exit strategy. With an attractive spread, it supports lease-up, renovations, or asset seasoning prior to a permanent loan takeout
Bridge Loan | Residential
Bridge Loan | Residential
Short-term acquisition, refi, and cash-out financing for 1–4 unit properties. Up to 80% LTV, rates from 9.999%, and closings in days — no appraisal required under $1M.
Bridge Loan | Sunbelt
Bridge Loan | Short Term
Asset-driven bridge financing in AZ, CO, GA, TN, TX, and NC. No credit score or financials required. Close in as little as 24–48 hours with up to 75% LTV.
Bridge Loan | Short Term
Bridge Loan | Short Term
$15M–$75M bridge financing across 13 asset classes nationwide. Non-recourse, sub-1.0x DSCR accepted, and closings in 5–20 days on deals others won't touch.
Loan Products
Fix & Flip
When you find the deal, we fund it — fast. Our fix & flip programs cover $75K to $3M, up to 95% LTC for experienced investors, 100% renovation funded, and closings in 2 weeks or less. No appraisal required under $750K. No prepayment penalty. We also offer a Sunbelt-specific program with closings in as little as 24 hours across AZ, CO, GA, TN, TX, and NC. If the numbers work, we'll make it happen.
Bridge Loan
Need to move fast on an acquisition, refi, or value-add deal? Our bridge loan programs offer short-term financing from $100K to $75M across residential and commercial properties — with LTV up to 75%, interest-only terms, and closings in as few as 24 hours. No DSCR requirement on select programs. We bridge the gap while you execute the plan.
Construction Loan
From spec homes to large-scale commercial development, MidPoint has a construction program built for it. We fund ground-up residential construction from $75K to $1.5M and institutional commercial projects up to $75M — with flexible draw schedules, interest-only terms, and closings built around your timeline, not ours.
DSCR & Rental Loans
Qualify based on the property's cash flow — not your personal income. Our DSCR rental loan programs cover 1–4 unit properties, condos, and short-term rentals up to $3M, with LTV up to 85% and no tax returns required. Built for buy-and-hold investors who want a clean, scalable financing solution.
Multifamily
From small multifamily acquisitions to large-scale apartment repositioning, MidPoint has the right capital stack for the deal. Our multifamily programs cover bridge financing from $100K to $50M, ground-up construction up to $75M, and DSCR rental loans up to $3M — with LTV up to 85% and no personal income required on select programs. Value-add, stabilized, lease-up, or new construction — we fund it all.