Info@TopOffCapital.com
Main Office
225 Dyer Street, Second Floor
Providence, RI 02903
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.
A proven history of generating attractive, risk-adjusted returns through both direct asset investments and strategic lending.
In house construction, property management, and financial services teams ensures seamless execution of our comprehensive business strategy.
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.
Focusing on low-risk, high-impact opportunities across development and lending, we optimize value without compromising our mission.
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.
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.
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.
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.
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.
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.
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.
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.
Our streamlined underwriting and hands-on decision-making ensure quick closings and certainty of execution for time-sensitive transactions.
We prioritize trust, transparency, and tailored financing solutions to build long-term partnerships with borrowers, investors, and operators.
By financing quality housing and value-add projects, we help strengthen local communities and drive sustainable economic growth.
30 Veterans Memorial Parkway
East Providence, RI 02914
Units: 34
Strategy: Ground Up Construction
855 Providence St.
West Warwick, RI 02893
Units: 12
Strategy: Value Add
48 - 66 High St.
Bristol, CT 06010
Units: 20
Strategy: Value Add
115 S Washington St
Plainville, CT 06062
Units: 6
Strategy: Value Add
160 Main St.
New Britain, CT 06051
Units: 14
Strategy: Value Add
122 High St.
Bristol, CT 06010
Units: 10
Strategy: Value Add
30 Veterans Memorial Parkway
East Providence, RI 02914
Units: 34
Strategy: Ground Up Construction
855 Providence St.
West Warwick, RI 02893
Units: 12
Strategy: Value Add
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.
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