About white rock capital
Built on Trust. Driven by Excellence. Focused on Real Estate.
White Rock Capital is a real estate investment firm dedicated to acquiring, improving, and operating high-quality multifamily assets in strong, growing markets.
Our mission is simple:
Deliver secure, long-term wealth for our investors through disciplined real estate investing.
We believe great partnerships are built on integrity, transparency, and consistent communication. At White Rock Capital, trust isn’t just a value. It is the foundation of every decision we make, every deal we pursue, and every relationship we build.
250+
total units
$150M+
total transactions
$50M+
equity raised
50
Successful exits
Our Philosphy
Investor First. Always.
We treat your capital as if it were our own.
We invest in every deal alongside our partners because alignment creates trust and accountability.
Our investment philosophy centers on three pillars:
1. Protect Capital First
We target multifamily properties with stable fundamentals, strong demand, and value-add potential.
2. Conservative & Transparent Underwriting
No inflated projections. No aggressive assumptions.
Just disciplined analysis designed to perform in both stable and volatile market conditions.
3. Excellence in Operations
We improve communities through strategic renovations, better management, and resident-first improvements that increase the property’s long-term value.
Wealth Through Real Estate
Stability
Real estate provides long-term stability and historically outperforms many traditional investments. Multifamily properties remain in demand regardless of market cycles, creating a more predictable path for wealth building.
Cash Flow
Tenants rent covers operating expenses and generates passive income for investors. Our well-managed multifamily assets create consistent, reliable cash flow.
Tax Advantages
Real estate offers powerful tax benefits, including depreciation, cost segregation, and 1031 exchanges. These strategies help investors keep more of their income while reducing taxable liability.
Leverage
Real estate allows you to control large assets with a smaller amount of capital. With leverage, investors acquire high-value properties and amplify returns without tying up excessive cash.
Amortization
As tenants pay rent, a portion of that income goes toward paying down the property’s debt. This builds equity for investors over time, increasing net worth without additional out-of-pocket investment.
Appreciation
Real estate values increase over time. With both forced appreciation (value-add improvements) and natural market appreciation, multifamily assets compound in value, creating long-term wealth.
How Our Investors Get Paid
At White Rock Capital, investor economics are simple and transparent.
-
We invest alongside you.
The White Rock team commits personal capital to every deal. If we don’t believe in it enough to invest ourselves, we don’t offer it.
-
Preferred return — investors get paid first.
Investments are typically structured with an annual preferred return (often around 8%), meaning investors receive distributions before the sponsor participates in profits.
-
Return of capital comes next.
At sale or refinance, our priority is returning 100% of each investor’s original capital before sharing in any upside.
-
Profit split — investors keep the majority.
After the preferred return and full return of capital, remaining profits are split, with most going to investors (commonly 70% investor / 30% sponsor).
Fees & Alignment Philosophy
Market-standard, fully disclosed fees.
Our offerings include fees common in institutional multifamily syndications—such as acquisition, asset management, and exit fees, and construction or capex management fees when applicable. All fees fall within typical industry ranges and are disclosed up front in our offering documents.
Investors come first.
Investors receive their preferred return and full return of capital before the sponsor participates meaningfully in profits. Capital preservation comes before upside.
We invest alongside you.
White Rock Capital commits its own capital to every deal. We are partners in the outcome, not just managers of it.
Performance-driven upside.
Most of our long-term compensation comes from the promote—earned only after investors receive their preferred return and capital back. We succeed by creating real value through stronger operations and disciplined execution.
Conservative by design.
We underwrite with conservative assumptions on rents, expenses, leverage, and exit cap rates. Each deal is stress-tested to prioritize downside protection.
Our goal is simple.
Protect investor capital, communicate clearly, and earn our upside only by delivering results.
Note: Specific fees and terms vary by deal and are fully detailed in the Private Placement Memorandum (PPM) and Operating Agreement.
