Mezz/Bridge Debt

Can someone briefly explain the process for underwriting, a mezz loan?

But I’m ultimately trying to understand is how the senior lender, equity and mezz lender valuation, all relate to one another, and if they can be different, in theory. 

2 Comments
 

Yes. They can be different values in theory. Technically, everyone is underwriting the same building, and same in place cash flow,  but you might use different assumptions. For instance, the senior and mezz may underwrite that leasing occurs slower and than rent growth is less, and see how that changes the safety of their loan. Because in the end, all the lenders care about is will they get their principal back. You could also have different exit caps. All the underwriting is done independent of each other, however, the valuation is probably going to end up pretty close, otherwise you wouldn’t all be doing the deal together. 

 
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