Selected assets we backed in the last 12 months—diverse markets, consistent execution.
0 bridge
210-unit Class B reposition, 78% LTC, 12-month IO.
0 refinance
Stabilized NOI lift, DSCR-focused structure, cash-out to fuel pipeline.
0 construction
Townhome infill, draw-friendly cadence, milestone inspections.
0 note-on-note
Preferred equity to bridge a reposition, tailored covenants.
Speed-first bridge
Close in weeks, not months. Up to 80% LTC, interest-only, draw-friendly rehab structures.
Ground-up & infill
Spec and infill projects with milestone-based releases, transparent inspections, and in-house underwriting.
Hold & refinance
Permanent and DSCR loans for stabilized assets; cash-out options to recycle equity into the next deal.
Creative structures
Mezz, preferred equity, note-on-note - custom capital stacks when bank boxes do not fit.
Senior decision-makers on every call. Underwriting that respects your timeline.
- 01 / Scope
Deal intake, docs checklist, and underwriting path in 24-48 hours. - 02 / Structure
Term sheet with leverage, reserves, covenants, and draw cadence spelled out. - 03 / Execute
Appraisal, title, and insurance coordinated; capital ready on your close date.
Selected transactions
- $18.4M bridge - Class B multifamily - Austin, TX
- $9.2M construction - Townhome infill - Nashville, TN
- $27M refinance - Mixed-use - Jersey City, NJ
- $6.8M note-on-note - Hospitality reposition - Scottsdale, AZ
Explore the capital stack with interactive controls—loan amount, term, and rate—updated in real time.
Loan amount
Drag the spatial slider to set proceeds.
Term (months)
Scrub around the dial.
Interest rate
Fine-tune rate with the dial.
Partners who have sat in the sponsor seat-credit, construction, and asset management working as one unit.
Jose R. Torres Carresco
Sets the lending thesis, investor alignment, and relationship strategy guiding Torres Capital.
Sophia Zhou
Runs underwriting workflow, diligence readiness, and daily execution so closings move on rails.
Melvin Wu
Leads fund accounting, cash controls, and reporting cadence to keep capital aligned with timing.
Lisa Williams
Builds the people platform-talent, recruiting, and enablement-so sponsors work with a sharp team.
James Zhang
Guides legal, credit docs, and closing covenants to keep risk tight while deals stay fluid.
The most common questions from sponsors and investors looking to close quickly.
Send us the basics and a principal will respond within one business day.
Email: deals@torrescap.com
Phone: (877) 320-6860 && (646) 974-1112
Office: 136-20 38th Avenue Suite 10H-2 Flushing NY 11354 ,United States
Hours: Mon–Fri, 8am–7pm ET
Scales with proceeds
Bar expands as loan amount grows.
Rearrange leverage
Blocks shuffle with term shifts.
Visual equity
Equity slice adapts with rate.
Reshaping close
Shortens or extends with term scrub.
2024 mid-year credit outlook
Where spreads are moving, bank pullback by asset type, and where private credit is filling the gap.
Closing in 30 days
Our checklist to keep diligence, appraisals, and insurance moving so you do not lose the deal.
Value-add underwriting signals
How we evaluate sponsor experience, business plan realism, and construction risk before we say yes.