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Bridge Refi Readiness Calculator
Bridge loans need to exit to permanent debt. This calculator scores readiness by stabilization, NOI, and DSCR.
Readiness score (0-100)
61
DSCR
1.26
Occupancy gap (points)
4
How the math works
Score combines DSCR (60 pts max) and occupancy proximity to stabilization (40 pts max).
80+ = launch refi. 60-80 = close occupancy gap first. Below 60 = extend bridge or operational stabilization push. Don't take refi losses just to exit on the original schedule.
How to Use
- Enter current occupancy %.
- Enter stabilized occupancy target.
- Enter current NOI (T-3 annualized).
- Enter projected permanent debt service.
- Read readiness score.
Frequently Asked Questions
What is stabilization?
Lease-up and expense levels consistent enough that permanent lenders will underwrite — typically 90% physical occupancy for 3 months, rent-roll matching pro forma within 5%.
DSCR target?
Permanent lenders require 1.20-1.30 DSCR on multifamily, 1.30-1.40 on office/retail. Bridge-to-perm execution often slips when DSCR underperforms by 5-10 basis points of expected.
When to exit?
Most bridge loans have 12-36 month terms with extension options at 25-75 bps. Start refi process 90-120 days before maturity. Extension is cheaper than refinancing into a weaker market.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
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