True 100% financing on a bridge is rare unless there’s either:
Cross-collateral,
Additional liquidity support, or
A lender pricing the risk very aggressively (fees + rate).
That said, the story you’re outlining can work with the right parameters.
A few clarifying points lenders will care about:
As-is vs. stabilized value ($180k needs support via rent roll + comps)
Current in-place rent and DSCR (even bridge lenders want to see debt coverage)
Exit certainty → timing and terms of the DSCR take-out
Borrower liquidity (months of reserves post-close)
Most bridge lenders I work with would likely land closer to:
70–80% LTV on as-is value
Interest-only for 6–12 months
Then a DSCR refi once seasoning is satisfied
If your numbers still work at 80% leverage, that’s usually a green light. If they only work at 100%, that’s where deals tend to break.
If you want, feel free to DM me the rent, DSCR target, and your exit assumptions—I can sanity-check whether this is realistically financeable or if the structure needs adjusting.