Built to give everyone a seat at the table.
The founder
About Scott Rosengrants
Scott Rosengrants grew up in Colorado and built his real estate career here. Before founding SFL Capital, he self-managed a personal rental portfolio exceeding $4 million across six acquisitions in the western Denver market, and advised on more than $260 million in residential real estate transactions across the Denver metro.
In 2024, Scott closed SFL Capital's first acquisition: 4th Avenue Townhomes, a 13-unit property in Lakewood, financed with a seller-financed note. In 2025, he followed with Hilltop Apartments, a 16-unit property less than a mile away, structured with an 85% loan-to-value seller-financed note and no prepayment penalty — the kind of flexible, off-market financing that rarely gets offered to buyers without direct broker relationships in the submarket.
Both deals reflect the thesis SFL Capital is built on: undervalued, well-located Class B/C multifamily in the 15 to 30-unit range, financed creatively, renovated conservatively, and held long enough to compound. Scott invests his own capital in every deal alongside SFL's investors — the same money, the same risk, the same upside.
Core values
- —Investor interests come first — always
- —Conservative underwriting with realistic, stress-tested projections
- —Full transparency on every deal, every quarter
- —Founder capital in every transaction — complete alignment
- —Long-term relationships over short-term wins
Investment focus
- Asset ClassValue-Add Multifamily
- Unit Range15 – 30 Units
- Deal SizeUnder $5M
- MarketsColorado Front Range — Lakewood, Denver Metro, Suburban Submarkets
- Hold Period5 – 7 Years
- Target CoC~8% Stabilized
- Target IRR~18% (7-Year)
- Equity Multiple2.0x+
The team
Who you're working with
Scott Rosengrants
Founder & Managing Partner
Manages every acquisition personally and invests his own capital alongside every investor.
Taylor
Acquisitions Manager
Works alongside Scott on deal sourcing and underwriting support, and leads the investor-facing systems that keep SFL's LPs informed.
Mission
“To deliver strong, consistent returns for our investors by acquiring and repositioning undervalued multifamily housing in Colorado — and to open the door to an asset class that's long been reserved for institutions and the ultra-wealthy.”
Scott Rosengrants, Founder
Differentiation
Why partner with SFL Capital
Deep local expertise
We operate exclusively in the Colorado Front Range. That means real broker relationships, genuine submarket knowledge, and the ability to move decisively when the right deal appears. We don't spread thin across markets we don't know.
The right deal size
15 to 30 units is the sweet spot. Too large for most individual investors to own outright. Too small for institutional funds to bother with. That gap is where SFL lives — and where pricing inefficiency creates outsized opportunity.
Founder-led, fully aligned
Scott manages every acquisition personally. There's no layers of management extracting fees between you and the deal. He invests his own capital alongside yours, on every transaction. Your upside is his upside.
Conservative underwriting, always
We underwrite to a downside scenario first. If the deal only works on an optimistic rent growth assumption, we pass. Every projection we share with investors is stress-tested — because trust is built on accurate expectations, not inflated ones.
Track record
Current portfolio
SFL Capital is actively managing two acquisitions in Lakewood, CO, with additional deals in underwriting.
Acquired 2025Lakewood, CO
16-unit value-add acquisition backing directly onto Hilltop Park. Renovation plan includes in-unit washer/dryer installs, refreshed interiors, and exterior upgrades, financed with an 85% LTV seller-financed note at a fixed rate with no prepayment penalty.
Acquired 2024Lakewood, CO
SFL Capital's first acquisition — a 13-unit property with a mix of 2- and 3-bedroom floor plans suited to longer-term renters and families. Financed with a seller-financed note and an initial interest-only period to fund the renovation program.
Financial projections and full deal terms are shared with qualified investors as part of each offering's documents. Past performance does not guarantee future results.
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