Banks and other traditional lenders place strict requirements that their loans on office, multi-family or retail properties must be made on relatively fully leased properties.  This all too often prevents buyers from taking advantage of buying a property at a lower price and increasing its value by leasing it up.  Once the property is more fully leased then the borrower can obtain traditional financing and pay off their bridge loan with Montegra.  We offer our borrowers the opportunity to have Montegra create an interest reserve from our loan proceeds and use the interest reserve to make the required monthly loan payments until such time as the property is sufficiently leased to cash flow on its own.  Montegra is even open to consider lending on totally vacant properties by using this interest reserve technique.  This creates an opportunity for savvy real estate investors to create a value-added property with appropriate financing leverage.