Enhancing Communities With Strategic Investments

What We Do

Top Off Capital is a private real estate investment firm dedicated to creating thriving communities through strategic multifamily development and private credit opportunities. Our fully integrated platform allows us to thoughtfully invest in and develop real estate that enhances neighborhoods and supports economic vitality. By fostering long-term alignment between tenants and stakeholders, we create lasting value for the communities we serve.

Top Off Capital - real estate investment and development firm

Who We Are

Experienced

A proven history of generating attractive, risk-adjusted returns through both direct asset investments and strategic lending.

Efficient

In house construction, property management, and financial services teams ensures seamless execution of our comprehensive business strategy.



Fully Integrated

From underwriting and capital deployment to acquisition, construction, repositioning, and operational enhancement—along with lending solutions—our expert team manages every step of the process.

Disciplined

Focusing on low-risk, high-impact opportunities across development and lending, we optimize value without compromising our mission.

Investment Approach

Top Off Capital employs a dual investment strategy that includes both direct asset ownership and lending on multifamily properties. By leveraging our local market expertise, established relationships, and disciplined underwriting, we target strategic opportunities in value-add and ground-up development projects. Our geographic focus spans across Connecticut, Rhode Island, and Massachusetts.

855 Providence St., West Warwick, RI 02893

Our Development Strategy

Market Analysis icon

Market Analysis

We conduct hands on market research to understand local trends and broader economic factors. Leveraging off-market intel from portfolio performance and industry relationships, we uncover valuable insights that guide our strategy.




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Property Analysis

We perform thorough inspections to assess property conditions and identify potential challenges. This is coupled with detailed analyses of future capital improvements and financial performance to ensure sound investment decisions.



Disciplined Due Diligence

Due Diligence

Our process includes comprehensive valuation and risk assessments alongside meticulous business plan and development budget reviews. We also craft clear exit and disposition strategies to align with our overall investment goals.



Disciplined Due Diligence

Reposition

We execute targeted capital improvements to enhance property value and operational efficiency.


By implementing
best-in-class property management and leasing practices, we boost rents and occupancy rates.


Disciplined Due Diligence

Exit

Our exit strategy typically involves holding the property for 3 - 10 years to capitalize on market dynamics. During this period, we develop a tailored disposition plan to create a competitive environment and maximize value.





Real Estate Private Credit

Flexible Solutions

Top Off Capital provides strategic private credit solutions designed for real estate investors, developers, and operators. Our loan programs are designed for seasoned multifamily operators seeking flexible, high-leverage financing for acquisitions, repositioning, renovations, and ground-up development—with a focus on long-term asset growth and value creation.

Local Expertise

We lend where we operate, using our deep market knowledge and ownership experience to make informed lending decisions based on real-time insights into property values and rental demand.

Fast & Reliable Execution

Our streamlined underwriting and hands-on decision-making ensure quick closings and certainty of execution for time-sensitive transactions.

Relationship Driven Approach

We prioritize trust, transparency, and tailored financing solutions to build long-term partnerships with borrowers, investors, and operators.

Community Impact

By financing quality housing and value-add projects, we help strengthen local communities and drive sustainable economic growth.

Portfolio

30 Veterans Memorial Parkway, East Providence, Rhode Island, United States

30 Veterans Memorial Parkway

East Providence, RI 02914


Units: 34

Strategy: Ground Up Construction

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855 Providence St., West Warwick, Rhode Island, United States

855 Providence St.

West Warwick, RI 02893


Units: 12

Strategy: Value Add

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Top Off Capital -

48 - 66 High St.

Bristol, CT 06010


Units: 20

Strategy: Value Add

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115 S Washington St

Plainville, CT 06062


Units: 6

Strategy: Value Add

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160 Main St.

New Britain, CT 06051


Units: 14

Strategy: Value Add

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122 High St.

Bristol, CT 06010


Units: 10

Strategy: Value Add

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30 Veterans Memorial Parkway

East Providence, RI 02914


Units: 34

Strategy: Ground Up Construction

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855 Providence St.

West Warwick, RI 02893


Units: 12

Strategy: Value Add

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About Us

At Top Off Capital, our mission is to invest in our community’s future while honoring a long-standing legacy of local impact. With deep roots across the north east and inspired by family ventures like A/Z Corporation, we bring decades of local expertise to every project. We allocate capital efficiently to uncover unique opportunities while remaining dedicated to excellence and driving meaningful growth in the neighborhoods we serve.

Top Off Capital team