Student Housing Finance

Delivering customized bridge and permanent loan solutions for Student Housing Real Estate

Student Housing Bridge Loan Programs

Within commercial real estate, student housing is often valued highly for its cash flow potential. Exclusively designed to house college and university students near higher education institutions, student housing properties are an attractive investment opportunity.  

Wilshire Finance Partners offers customized bridge financing solutions for a variety of student housing properties nationwide, ranging from $1 million to $10 million. Since 2008, Wilshire has helped commercial real estate investors capitalize on eligible student housing properties with creative and quick bridge loan programs.

Learn more about short-term financing parameters and long-term agency financing solutions below.

Student Housing Bridge Financing Structure Types

Loan Amount: $1,000,000 to $10,000,000

Term: Up to 3 Years

Rate: Fixed or Variable

Loan-To-Cost (LTC): Up to 70%

Loan-To-Value "Stabilized" (SLTV): Up to 65%

Purpose: Purchase, Rate and Term Refinance, Cash Out Refinance

Geographic Location: Nationwide

Recourse: Case by Case


Bridge Program Brochure 

Bridge Loan Program Summary

Loan Amount: $500,000 to $3,000,000

Term: Up to 3 Years

Rate: Fixed

Loan-To-Cost (LTC): Up to 80%

Loan-To-Value "Stabilized" (SLTV): Up to 70%

Purpose: Purchase, Rate and Term Refinance

Geographic Location: Nationwide

Recourse: Required

Agency Financing Structure

Fannie Mae:

  • Standard DUS®
  • Fannie Mae Small Loan
  • Multifamily Affordable Housing (MAH)
  • Streamlined Rate Lock
  • Unfunded Forward Commitment
  • M.TEB
  • Fannie Mae Seniors Housing
  • Cooperative Apartment Financing
  • Fannie Mae Student Housing
  • Fannie Mae Supplemental Loan
  • Moderate Rehabilitation (Mod Rehab) Supplemental
  • Near-Stabilization Execution
  • Green Financing
  • Healthy Housing Rewards
  • ARM 7-6™
  • Structured ARM
  • Manufactured Housing
  • Choice Refinance
  • Hybrid Adjustable Rate Mortgage (ARM)
  • Fannie Mae Arbor 85 Preferred
  • Adjustable Rate Mortgage (ARM) 5-5

Freddie Mac:

  • Small Balance Loan
  • Fixed-Rate
  • Floating-Rate
  • Early Rate Lock (ERL)
  • Green Advantage
  • Freddie Mac Seniors Housing
  • Cooperative Apartments
  • Student Housing
  • Student Housing Value-Add Loan
  • Freddie Mac Supplemental Loan
  • Value-Add Loan
  • Lease-Up
  • Moderate Rehab
  • Manufactured Housing Community Loan
  • Manufactured Housing Resident Owned Community Loan (MHROC)
  • Credit Building


  • 223(f) Refinance of Section 202
  • FHA 223(a)(7)
  • FHA 223(f)
  • FHA 221(d)(4)
  • FHA 241(a)
  • FHA 232 223(a)(7)
  • FHA 242, 242 223(f) & 242 223(a)(7)

Frequently Asked Questions

Wilshire offers bridge and permanent loan solutions for the purchase and refinance of student housing properties. 

Yes, Wilshire offers customized bridge and permanent financing for student housing properties.

Yes, Wilshire works directly with all intermediates and ensures broker protection. 

Wilshire can close a loan in 15 to 45 days. 

Yes, Wilshire is a direct lender. The WFP Income Fund, LLC and The WFP Opportunity Fund, LLC are real estate debt funds and are the capital engine driving Wilshire’s bridge loan program.

Formed in 2008, Wilshire Finance Partners is a real estate debt fund manager that makes bridge loans secured by multifamily, commercial real estate, seniors housing facilities, and medical office buildings nationwide. Wilshire combines an entrepreneurial approach, institutional sophistication, and discretionary capital inside a boutique environment to deliver outstanding service to our origination partners and affiliates.


Real estate debt funds with discretionary capital to lend.


Experienced professionals representing various disciplines in real estate, banking and investments.


The team has funded and managed over $2 billion in commercial real estate loans.

Related Transactions

$3,016,000 | TEXAS
Student Housing

$3.16 M

Strategic Acquisition 

homeimg Student Housing Bridge Loan 60 units, 100% Occupancy 

$1,365,000 | MICHIGAN


Core Plus Investment

homeimg Student Housing Bridge Loan 32 units, 100% Occupancy 

(866) 575-5070

Wilshire Finance Partners, Inc.
2 Venture, Suite 430
Irvine, CA 92618

Monday - Friday
8:30am - 5:30pm (Pacific Standard Time)



Loans: The information contained on this website and the related communications are directed to real estate professionals only.  The information contained on this website and the related communications are not a loan approval, agreement or commitment to lend. The delivery or circulation of any attached documents is for discussion purposes only and Wilshire Finance Partners, Inc. may make substantial and material revisions to the same.  Rates and terms are subject to change without notice.  Loans made by Wilshire Finance Partners, Inc. California Department of Real Estate Broker License number 01523207 and California Department of Financial Protection and Innovation, Finance Lenders License number 603K729; WFP Income Fund, LLC, California Department of Financial Protection and Innovation, Finance Lenders License number 603K726; WFP Opportunity Fund, LLC California Department of Financial Protection and Innovation, Finance Lenders License number 603K725; or WFP Income Fund REIT, LLC, California Department of Financial Protection and Innovation Finance License number 60DBO-99184. •Equal Opportunity Housing Lender•

Investments: The information contained on this website and the related communications are not an offer to sell or the solicitation of offers to purchase the securities of the WFP Income Fund, LLC, the WFP Income Fund REIT, LLC, the WFP Opportunity Fund, LLC, loan or trust deed investments, participations or other securities offered by or through Wilshire Finance Partners, Inc. (individually and collectively, the “Securities”).  The purpose of this website and the related communications is to provide an overview of the respective Securities and their private placement. Persons interested in learning about the Securities and their private placement will be provided with the respective Private Placement Memorandum (inclusive of exhibits thereto and any supplements, the “Memorandum”), which provides a description of the Securities, the terms of their private placement, a discussion of risk factors, a copy of the limited liability company operating agreement for the respective fund (as applicable), a subscription agreement and other information related to the Securities.

This website and the related communications contain certain forward-looking statements regarding the Securities and the investment objectives and strategies of each of the Funds. The forward-looking statements are based on current expectations that involve numerous risks and uncertainties which are difficult or impossible to predict accurately and many of which are beyond the control of Wilshire, as the manager of the Funds. Although Wilshire believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate and, therefore, there can be no assurance that the forward-looking statements will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements, the inclusion of such information should not be regarded as a representation by Wilshire, any placement agent, or any other person, that the objectives and strategies of the respective Securities will be achieved.

Investments in the Securities may only be made solely by accredited investors (which for natural persons, are investors who meet certain minimum annual income or net worth threshold), who are provided with the Memorandum and who complete, execute and deliver the subscription documents included therein, and otherwise comply with the requirements contained therein.  Each of the Securities is being offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”) and are not required to comply with specific disclosure requirements that apply to registration under the Securities Act. Neither the Securities Exchange Commission nor any other state securities commission or agency has passed upon the merits of or given its approval to the Securities, the terms of the offering, or the accuracy or completeness of any offering materials. Each of the Securities is subject to legal restrictions on transfer and resale and investors should not assume they will be able to resell the Securities. Past performance is not indicative of future results. Investing in any of the Securities, including the Funds, involves substantial risk, including loss of investment, and is not suitable for all investors.

To the extent there is any inconsistency between the information provided in this website. The related communications and the Memorandum, the information contained in the Memorandum shall control.

Other Notices: Information provided by Wilshire Finance Partners, Inc., its affiliates and their respective directors, managers, officers, employees and agents is not to be interpreted as legal, tax or accounting advice.  Wilshire Finance Partners, Inc. is a debt collector and is required by law to inform you that this communication may be an attempt to collect a debt and any information obtained will be used for that purpose.  Wilshire Finance Partners®, Proven Professional Performance®, Stable Income & Principal Protection®, and The Alternative Solution® are registered trademarks of Wilshire Finance Partners, Inc. © 2021 Wilshire Finance Partners, Inc.  All rights reserved.


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