Initializing Torres Capital
Boutique lending

Capital partners for decisive property investors.

Structured, fast, and transparent funding for acquisitions, bridge deals, and refinance - built for operators who value time and certainty.

24-72 hr term sheets - Nationwide
Capital Deployed
0
Avg Close
0
Deals in 2023
0
Repeat Clients
0
Modern building
Recent work
Proof in properties.

Selected assets we backed in the last 12 months—diverse markets, consistent execution.

Multifamily - Austin
Mixed use building

0 bridge

210-unit Class B reposition, 78% LTC, 12-month IO.

Mixed-use - Jersey City
Mixed use building

0 refinance

Stabilized NOI lift, DSCR-focused structure, cash-out to fuel pipeline.

Infill - Nashville
Townhome infill

0 construction

Townhome infill, draw-friendly cadence, milestone inspections.

Hospitality - Scottsdale
Townhome infill

0 note-on-note

Preferred equity to bridge a reposition, tailored covenants.

What we fund
Tailored capital for every stage.
Bridge & Value-Add

Speed-first bridge

Close in weeks, not months. Up to 80% LTC, interest-only, draw-friendly rehab structures.

Construction

Ground-up & infill

Spec and infill projects with milestone-based releases, transparent inspections, and in-house underwriting.

Stabilized

Hold & refinance

Permanent and DSCR loans for stabilized assets; cash-out options to recycle equity into the next deal.

Special Situations

Creative structures

Mezz, preferred equity, note-on-note - custom capital stacks when bank boxes do not fit.

How we work
Clarity from first call to close.

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.
Recent closings

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
Build
Tactile financing controls.

Explore the capital stack with interactive controls—loan amount, term, and rate—updated in real time.

Spatial slider

Loan amount

Drag the spatial slider to set proceeds.

$9,000,000
Circular scrubber

Term (months)

24m

Scrub around the dial.

Precision dial

Interest rate

Fine-tune rate with the dial.

7.5%
Team
Credit thinkers + operators.

Partners who have sat in the sponsor seat-credit, construction, and asset management working as one unit.

Founder

Jose R. Torres Carresco

Founder & Managing Partner

Sets the lending thesis, investor alignment, and relationship strategy guiding Torres Capital.

Operations

Sophia Zhou

Founder & Head of Operations

Runs underwriting workflow, diligence readiness, and daily execution so closings move on rails.

Finance

Melvin Wu

Head of Accounting

Leads fund accounting, cash controls, and reporting cadence to keep capital aligned with timing.

People

Lisa Williams

HR

Builds the people platform-talent, recruiting, and enablement-so sponsors work with a sharp team.

Legal

James Zhang

Attorney

Guides legal, credit docs, and closing covenants to keep risk tight while deals stay fluid.

FAQ
Answers for fast movers.

The most common questions from sponsors and investors looking to close quickly.

How fast can you close a bridge loan? +

Typical bridge closes in 2–3 weeks depending on appraisal and title. We can issue term sheets in 24–72 hours after receiving the deal file.

Do you fund construction draws? +

Yes. We manage milestone-based inspections and release draws quickly to keep trades moving.

What leverage can you provide? +

Bridge up to ~80% LTC and construction up to ~70% LTC, subject to market, business plan, and sponsor track record.

Do you lend nationwide? +

We fund across major U.S. markets with focus on Sunbelt, Texas, Mountain West, and select coastal MSAs.

Contact us
Let’s scope your next deal.

Send us the basics and a principal will respond within one business day.

Reach us

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

Tell us about the deal
Live reactions
Watch the capital stack respond.
Asset mass

Scales with proceeds

Bar expands as loan amount grows.

Debt blocks

Rearrange leverage

Blocks shuffle with term shifts.

Equity shifts

Visual equity

Equity slice adapts with rate.

Timeline

Reshaping close

Shortens or extends with term scrub.

Market intel
Insights from our desk.
City skyline
Report

2024 mid-year credit outlook

Where spreads are moving, bank pullback by asset type, and where private credit is filling the gap.

Modern building facade
Playbook

Closing in 30 days

Our checklist to keep diligence, appraisals, and insurance moving so you do not lose the deal.

Team discussion
Perspective

Value-add underwriting signals

How we evaluate sponsor experience, business plan realism, and construction risk before we say yes.