Summers
The Summers CapitalPrivate Real Estate Lending

Commercial Real Estate Investing

Loan Programs

The Summers Capital is a direct lender and balance sheet capital partner focused on commercial real estate bridge financing from $2 million to $10 million. Specializing in multifamily, student housing, active adult communities, and select commercial properties, our transactions carry an urgent closing timeline, a strong value proposition, and a defined exit strategy — typically within 12 to 24 months. Our investment strategy is centered on identifying market inefficiencies, recapitalizing or repositioning assets, and maximizing property cash flows.

Senior Secured Bridge Loans

Preferred Equity

Senior Secured Bridge Loans

Certainty of Execution, Not Just Capital

Short-term, first-mortgage financing secured by cash-flowing commercial real estate. Private balance-sheet capital — decisions made by the principal, closings reflect that speed.

Standard Terms

Loan Amount
$2,000,000 – $10,000,000
Interest Rate
9.0% – 12.0% indicative
Loan Term
12 – 24 months
Amortization
Interest-only
Security
First mortgage lien; senior secured only
Maximum LTV
65%
DSCR
1.50x preferred on stabilized assets
Origination Fee
1% – 3%
Prepayment
3 – 6 months; negotiated per deal
Recourse
Full or partial; negotiated

Asset Types

  • Multifamily
  • Student housing
  • Active adult rental communities
  • Grocery-anchored retail
  • Medical office
  • Logistics & light industrial
  • Triple-net lease
  • Ground leases

Funding Uses

  • Property acquisitions
  • Recapitalizations & partner buy-outs
  • Lease-up and stabilization
  • Repositioning & rehabilitation
  • Refinancing of maturing debt
  • Time-sensitive closings

Process

Response Time

Same day or next business day

Closing

2 – 4 weeks from complete application

Brokers

Submissions welcome. Commissions paid on closed transactions.

Submit

Deal overview, property details, loan amount, sponsor background.

All terms are indicative. No commitment to lend until signed term sheet. Subject to final underwriting approval and Founder authorization.

Submit a Deal

Preferred Equity

Structured Capital Between the Debt and the Common

Gap capital above the senior mortgage with a defined preferred return, clear exit rights, and a direct operator's understanding of the asset. Focused on value-add, stabilization, and recapitalization opportunities.

Standard Terms

Commitment Size
$1,000,000 – $5,000,000
Target Return
Negotiated; current-pay preferred
Term
18 – 36 months
Structure
Preferred equity interest in deal entity
Max Combined LTV / LTC
80%
Position
Junior to senior debt; senior to common equity
Pay Structure
Current pay preferred; accrual negotiated
Exit Rights
Defined redemption rights required at closing
Equity Contribution
Up to 90% of total equity requirement
Origination Fee
Negotiated per transaction

Asset Types

  • Multifamily
  • Active adult rental communities
  • Logistics & light industrial
  • Student housing
  • Medical office

Funding Uses

  • Value-add acquisitions needing gap capital
  • Stabilization of lease-up assets
  • Recapitalizations replacing expensive mezz
  • Partner buy-outs requiring structured equity
  • Bridge-to-agency transitions
  • Opportunistic capital structures

Process

Response Time

Same day or next business day

Closing

3 – 4 weeks from complete application

Brokers

Submissions welcome. Commissions paid on closed transactions.

Submit

Capital stack, property details, business plan, sponsor background.

Preferred equity requires defined step-in rights in the event of material underperformance. All terms indicative. Subject to final underwriting approval and Founder authorization.

Submit a Deal

All terms are indicative and do not constitute a commitment to lend. All lending decisions are made at the sole discretion of The Summers Organization and subject to its underwriting standards.