Northeast · New York · Mixed-Use · First lien
Mixed-use hard money loans in Rochester, NY.
First-position mixed-use 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.
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
Mixed-Use underwriting
What we look at first.
- Income split and stability by component
- Residential rents and commercial tenancy
- Zoning, condo structure and separate metering
- Local foot traffic and neighborhood trajectory
- Capital needs across the building
Situations
Mixed-use loans we see in Rochester.
- Refinancing buildings that do not fit a single lender category
- Acquisitions needing speed ahead of a competing buyer
- Commercial lease-up beneath stabilized residential
- Renovation of older main-street buildings
Selling a mixed-use 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 mixed-use loan request.
Questions
Rochester, NY mixed-use loans, answered.
- Does Stokley Capital make mixed-use loans in Rochester, NY?
- Yes. We make first-position mixed-use 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 mixed-use 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 mixed-use in Rochester?
Send the property, amount and deadline. A principal will respond directly.