OUR PHILOSOPHY
Capital Preservation Is the First Priority
At Westridge, we begin every underwriting discussion with one question:
What happens if we’re wrong?
We believe real estate investing should not rely on perfect execution or perfect timing. Instead, it should be structured to withstand volatility.
Conservative Underwriting
We stress test every deal against adverse scenarios, including:
Reductions in net operating income
Higher exit capitalization rates
Slower rent growth
Elevated vacancy levels
If a deal only works under optimistic projections, we don’t pursue it.
Excess leverage is one of the primary causes of investor capital impairment.
We seek to:
Maintain moderate loan-to-value ratios (generally 65% or less)
Avoid short-term bridge debt
Prioritize long-term, stable financing structures
By limiting leverage, we reduce the probability of forced sales during down cycles.
Conservative Leverage
Many sponsors rely on 2–3 year hold periods with tight timelines and bullet maturities.
We evaluate opportunities over a 5–10 year investment horizon, allowing flexibility if capital markets tighten or economic conditions shift.
Long-Term Horizon
Discipline in Practice
We have walked away from deals during due diligence when risk outweighed reward, even when investor interest was strong.
We believe that preserving capital is more important than deploying it.
Our goal is not to chase the highest projected returns.
Our goal is to generate durable returns that protect investor principal first.
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