Real Estate Private Credit

Multifamily Repositioning Loans

For investors enhancing asset value through tenant repositioning, rent optimization, and property improvements.

• Loan Size: $500,000 – $4,000,000
  
  
• Leverage: Up to 90% LTV/LTC
  
  
• Interest Rate: 10%–13% (Interest-Only)
  
  
• Term: 12 months + 12-month extension option
  
  
• Borrower Requirements: Minimum 10-unit track record
  

Construction Loans

For developers financing ground-up projects, major renovations, or adaptive reuse conversions.



• Loan Size: Customized to project scope
  
  
• Leverage: Up to 85% of total project costs
  
  
• Interest Rate: Competitive market rates
  
  
• Term: 12–24 months
  
  
• Structure: Interest-only during construction phase
  
  

Fix & Flip Loans
(Multifamily Borrowers Only)

Short-term renovation financing available exclusively for existing Top Off Capital borrowers with prior multifamily loan history.

• Loan Size: Minimum $400,000
  
  
• Leverage: Up to 90% of purchase & renovation costs
  
  
• Interest Rate: 10%–14%
  
  
• Term: 12 months (no extension)
  
  
• Eligibility: Only available to existing multifamily borrowers
  

Local Expertise & Market Focus

Unlike national lenders, we lend where we operate. With deep market knowledge and direct ownership experience in our target regions, we take calculated risks based on real-time insights into property values, rental demand, and neighborhood trends. Our borrowers benefit from a lender who truly understands the local market.

Fast & Reliable Execution

We move at the speed of our borrowers. With a streamlined underwriting process and hands-on decision-making, we ensure quick term sheet issuance, efficient closings, and a certainty of execution that institutional lenders can’t match.

Relationship Driven Approach

We are more than just a capital provider; we are a long-term financial partner. By prioritizing trust, transparency, and tailored financing solutions, we build lasting relationships with borrowers, investors, and operators who align with our vision.

Commitment to Community

Our investments go beyond returns. By financing quality housing and value-add projects, we support local communities, improve neighborhoods, and contribute to sustainable economic growth in the markets where we lend.