Senior Housing · First lien · Nationwide
Senior housing hard money & bridge loans.
Independent living, assisted living, memory care and 55+ active adult communities. We underwrite the real estate and the operator together; on care-licensed properties, the operator's record and licensing carry as much weight as the building.
Stokley Intelligence · Updated September 2026
Senior Housing Market 2026: Occupancy & Supply
A structured view of the developments shaping senior housing—and the situations those developments may create for owners, lenders and investors.
Underwriting
What we look at first.
- Occupancy trend, move-ins versus move-outs, and the inquiry pipeline
- Care mix and rate structure by unit type
- Operator track record, licensing status and the management agreement
- Staffing, food service, insurance and other operating costs
- Building condition, life-safety systems and the capex needed to compete
Situations
Where we're most useful.
- Bridge loans maturing before occupancy supports agency or HUD debt
- Operator transitions that make a bank pause
- Acquisitions from owners or operators leaving the business
- Lease-up after a renovation, conversion or new delivery
Selling a senior housing property? Stokley also buys real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Senior housing loan request.
Questions
Senior housing loans, answered.
- Do you provide senior housing hard money loans nationwide?
- Yes. Stokley Capital provides first-position, business-purpose senior housing loans nationwide, subject to state requirements.
- What size senior housing loans do you make?
- Typically $1M–$5M. Larger loans are considered.
- What do you look at first on a senior housing loan?
- Occupancy trend, move-ins versus move-outs, and the inquiry pipeline; Care mix and rate structure by unit type; Operator track record, licensing status and the management agreement.
- Do you take second position?
- No. Every loan is a first lien on the property.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Have a senior housing loan request?
Send the property, amount and deadline. A principal will respond directly.