Bridge Exit Analysis
Every bridge loan’s exit tested at close and re-tested monthly, so a weak refinance shows up while there is time.
Why it matters
Bridge loans live or die on the exit, yet sale comps, stabilised rents and take-out coverage are rebuilt by hand once at close and rarely re-tested.
How the solution handles it
Agents read the business plan, rent roll and comps, then test the refinance exit (DSCR, debt yield, LTV against take-out terms) and the sale exit (comps against the plan price). A tracker watches lease-up, capex and maturity dates each month. A credit officer approves and rates the exit.
How an exit is tested
Five agents read the plan, test the sale and refinance exits and track milestones to maturity; a credit officer approves and rates the exit.
What it reads, and what it hands back.
What goes in
- Business plan and exit memo
- Rent roll and T-12
- Sale comps and appraisal
- Take-out term sheet
- Capex or construction budget
What comes out
- Exit test: sale and refinance cases
- Maturity and extension risk
- Milestone tracker
- Credit memo exit section
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
on a 12-month bridge
“Target” = design goal, measured in the live solution · “Typical” = bridge terms published by lenders (6–18 months; extensions at 0.5–1% fee) · DSCR = debt service coverage ratio
5 specialist agents. One person decides.
More in this division.
Every flip sized on the lesser of cost and after-repair value, and every draw checked against the scope.
Litigation FinanceEvery funding request read and screened in a day, so lawyers spend their time on the few worth a deep look.
Premium FinanceEvery premium finance agreement checked before funding, and every cancellation notice sent on the state’s clock.
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