What Is a Multifamily Bridge Loan and How Does It Work? (2026 Guide)
If you invest in apartment buildings, timing matters. Deals move fast. Occupancy shifts. Renovations take capital. Traditional lenders often move slowly or require stabilized income that a property simply does not have yet. That is where a multifamily bridge loan comes in. In simple terms, a multifamily bridge loan is short term financing used to acquire, refinance, or reposition an apartment property. It bridges the gap between today’s opportunity and tomorrow’s long term financing. In 2026, bridge financing remains one of the most practical tools for multifamily investors who need speed, flexibility, and leverage. Let’s break down exactly how it works, when to use it, and what to expect. What Is a Multifamily Bridge Loan? A multifamily bridge loan is a short term commercial real estate loan designed for apartment properties that are not yet stabilized or do not qualify for permanent financing. Most bridge loans have: Terms of 12 to 36 months Interest only payments ...