Workshop: Creative Financing — Bridge Loans, DSCR, and Private Money

The conventional 30-year fixed mortgage is the right tool for maybe 30% of the deals serious real estate investors are doing. The rest require a working knowledge of the full financing toolkit — bridge loans, DSCR products, hard money, mezzanine debt, and private capital structures. Knowing which tool to use, and how to use it well, is often the difference between getting a deal done and losing it.

Robert Tapia is a Senior Lender at Pacific Coast Capital with over $600 million in loans originated across acquisitions, construction, and refinances for all asset classes. In this 90-minute workshop, he takes you through the complete non-traditional financing landscape from a lender's perspective — which is the only perspective that actually matters when you're trying to close.

Covered in detail: bridge loans — when they make sense, how they're structured, typical LTV parameters, and exit strategy requirements lenders actually enforce; DSCR loans — how they're underwritten (your personal income is largely irrelevant), what ratios lenders want to see, and which property types qualify; hard money — the real cost when you include points, fees, and prepayment terms, legitimate use cases, and how to find reputable lenders; mezzanine debt — when it makes the deal work, when it kills returns, and how it layers with senior debt; private money from family offices — how these relationships work and how to structure deals to attract private capital; and seller financing — when to ask for it, how to structure it, and the tax implications for both parties.

Robert also covers what makes a borrower fundable in 2026's tighter credit environment. Attendees receive a Loan Product Comparison Matrix. 1.5 CE credits.