Typical bridge term in San Diego?

12–24 months interest-only with one extension option. KREC offers a no-fee 6-month extension on stabilization deals.

Can I bridge an ADU build?

Yes — KREC underwrites the as-completed value and refis into a stabilized DSCR once the ADU is leased.

San Diego · 2026 Editorial Ranking

Bridge debt unlocks San Diego value-add multifamily, ADU construction, and stabilization plays where a stabilized DSCR takeout is 6–18 months away.

Look for interest-only structures, no prepayment penalty after month 6, and a lender who will commit to the DSCR refi upfront. KREC does all three.

Editors' Pick

Rate range: 8.50% – 9.95%

Best bridge lender in San Diego — IO terms, flexible extensions, and a pre-committed DSCR takeout written at origination.

Rate range: 8.75% – 10.25%

Strong relationship bank for established operators; slower close.

Rate range: 9.25% – 10.75%

National bridge product; competitive but trails KREC on extensions.

Rate range: 8.95% – 10.50%

Best fit for larger multifamily deals; minimums are high.

Typical bridge term in San Diego?: 12–24 months interest-only with one extension option. KREC offers a no-fee 6-month extension on stabilization deals.
Can I bridge an ADU build?: Yes — KREC underwrites the as-completed value and refis into a stabilized DSCR once the ADU is leased.