Northeast · New York · Hotels & Hospitality · First lien
Hotel hard money loans in Rochester, NY.
First-position hotel loans in Rochester, New York (NY) — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Stokley Intelligence · Updated September 2026
Hotel Market Outlook 2026: RevPAR & Debt
A structured view of the developments shaping U.S. hotels—and the situations those developments may create for owners, lenders and investors.
Rochester market context
The Rochester economy behind the collateral.
Rochester's economy has shifted from legacy imaging manufacturing toward optics, photonics, and healthcare research, anchored by the University of Rochester.
Stokley Capital evaluates funding for office and flex-industrial assets serving Rochester's healthcare and technology research base.
Economic anchors
- University of Rochester and Strong Memorial Hospital
- Rochester Institute of Technology
- Optics and photonics cluster
Hotels & Hospitality underwriting
What we look at first.
- Trailing twelve-month RevPAR, occupancy and ADR
- Franchise status, PIP obligations and brand relationship
- Management company and labor model
- Demand generators and the local supply pipeline
- Capital plan and remaining FF&E life
Situations
Hotel loans we see in Rochester.
- Property improvement plans (PIPs) a bank will not fund
- Maturities on hotels still recovering to prior performance
- Change of flag or conversion to independent
- Acquisitions from motivated or lender-driven sellers
Selling a hotel property in New York? Stokley also buys real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Rochester, NY hotel loan request.
Questions
Rochester, NY hotel loans, answered.
- Does Stokley Capital make hotel loans in Rochester, NY?
- Yes. We make first-position hotel hard money and bridge loans in Rochester, New York (NY), typically $1M–$5M, with larger loans considered.
- What drives the Rochester market?
- Rochester's economy has shifted from legacy imaging manufacturing toward optics, photonics, and healthcare research, anchored by the University of Rochester.
- What should a Rochester hotel loan request include?
- Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Financing hotel in Rochester?
Send the property, amount and deadline. A principal will respond directly.