MRCCapital Partners

Illustrative financing scenarios

See how the structure
adapts to the project.

These examples show how MRC's business-purpose lending guidelines may apply to real estate investment and development transactions. They are illustrations—not historical transactions, commitments or offers.

i

Illustrative only. These are not MRC case studies and do not represent closed loans. Actual financing is subject to underwriting, diligence, documentation and approval.

Illustrative scenario 01

Not an actual transaction

Ground-up residential construction

The situation

A residential builder controls an entitled site and needs acquisition and vertical-construction capital through completion.

MRC fit

A first-lien construction structure with progress-based draws tied to verified milestones.

Indicative term 12–24 months
Leverage guideline Up to 85% LTC / 70% LTV-ARV

Control points

  • Third-party diligence
  • ALTA lender title policy
  • Inspector-verified draws
  • Lien-waiver collection

Illustrative scenario 02

Not an actual transaction

Acquisition plus light rehabilitation

The situation

An experienced residential investor is acquiring an existing property that requires cosmetic-to-moderate renovation before resale or rental conversion.

MRC fit

Short-duration first-lien financing for acquisition and targeted improvements.

Indicative term 9–12 months
Leverage guideline Up to 90% LTC / 75% LTV-ARV

Control points

  • Third-party diligence
  • Borrower background review
  • Title verification
  • Defined renovation scope

Illustrative scenario 03

Not an actual transaction

Heavy rehab and value-add

The situation

A residential asset requires comprehensive rehabilitation, structural work and a detailed construction budget before stabilization or disposition.

MRC fit

First-lien financing with a detailed draw schedule and operational oversight throughout the rehabilitation.

Indicative term 12–18 months
Leverage guideline Up to 85% LTC / 75% LTV-ARV

Control points

  • Detailed draw schedule
  • Inspection verification
  • Lien-waiver collection
  • Third-party due diligence

Illustrative scenario 04

Not an actual transaction

Short-term acquisition bridge

The situation

A residential investor needs acquisition capital while awaiting permanent financing, a defined equity event or a property sale.

MRC fit

Business-purpose first-lien bridge financing designed around a defined transition.

Indicative term Up to 36 months
Leverage guideline Up to 75% LTV

Control points

  • First-lien collateral
  • Title review
  • Borrower diligence
  • Defined transition period

Illustrative scenario 05

Not an actual transaction

Entitled land acquisition and development

The situation

A residential developer is acquiring entitled land and completing horizontal development ahead of vertical construction.

MRC fit

Conservatively leveraged first-lien financing for the land and development stage.

Indicative term 12–18 months
Leverage guideline Up to 65% LTC

Control points

  • Entitlement verification
  • Title diligence
  • Conservative LTC
  • Development-stage review

Have a real opportunity that resembles one of these scenarios?

Submit a financing opportunity