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Monticelloam
Monticelloam was founded in 2014 by Alan G. Litt, Thomas J. Lally, Jonathan M. Litt, and Greg J. McManus — four operators who had each spent more than 30 years...
Monticelloam
Monticelloam was founded in 2014 by Alan G. Litt, Thomas J. Lally, Jonathan M. Litt, and Greg J. McManus — four operators who had each spent more than 30 years across lending, development, and securitization before starting the firm. It is headquartered in New York, with additional offices in Illinois, Florida, Pennsylvania, and Virginia. The founding board brought the relationships and underwriting habits of multiple credit cycles to a vehicle that would pursue a narrow, repeatable trade rather than chase deal volume across property types. The firm runs a lending platform, not a blind pool. It originates bridge loans and working-capital facilities exclusively within the multifamily and seniors housing sectors. Every bridge loan is underwritten to permanent takeout financing from Fannie Mae, Freddie Mac, or HUD, and the credit team runs a stressed takeout analysis at origination. Asset management re-underwrites each loan monthly, tracking local economic trends, rental and occupancy rates, and property-level competitiveness. In May 2026, the firm and its affiliates funded $435 million in bridge and working-capital financing for a fourteen-facility skilled nursing portfolio in Maryland — a deployment that covered more than 1,890 beds. The firm has also built an advisory practice that handles loan workouts, restructuring, foreclosures, and special servicing assignments, all concentrated in the same seniors housing niche. Monticelloam fields a 60-person team. The board provides the top-level credit judgment, but the origination network — repeat borrowers, HUD originators, financial institutions, and capital-markets brokers — feeds a pipeline that the in-house underwriting and asset management groups qualify and monitor. The advisory arm acts as a separate line of business, operating when a loan in the seniors housing space needs hands-on restructuring or foreclosure management. The firm does not disclose a total AUM or a committed capital figure, and it has not publicly described sidecar vehicles or philanthropic structures. The structural differentiator is the takeout-underwriting mandate itself. Monticelloam does not lend against a speculative exit; it sizes bridge loans against a specific, pre-mapped agency takeout that serves as the permanent financing. That architecture turns every origination into a two-part trade — fund the transition, then hand the stabilized asset to the government-sponsored agencies whose credit boxes the firm learned over decades. The model ties the firm's scale directly to what Fannie, Freddie, and HUD will accept, which narrows the opportunity set but makes the credit loss function unusually transparent for a bridge lender.
General information
Firm type
Bank / Wealth / Trust
Year founded
2014
AUM
Undisclosed
Location
Region
North America
Country
United States
City
New York
Corporate office
600 Third Avenue, 21st Floor, New York, NY 10016
Additional offices
Northfield, IL · Coconut Grove, FL · Bridgeport, PA · Richmond, VA
Principals
Alan G. Litt
Board Member
Thomas J. Lally
Board Member
Jonathan M. Litt
Board Member
Greg J. McManus
Board Member
Sector focus
Frequently asked questions
What does Monticelloam actually do?
It is a specialized lending platform, not a fund manager. The firm originates bridge loans and working-capital facilities for multifamily and seniors housing properties across the United States. Every loan is underwritten to a projected permanent takeout via Fannie Mae, Freddie Mac, or HUD. The 60-person team manages origination, stressed underwriting, and monthly asset surveillance in-house.
Who is behind the credit decisions?
A four-member board — Alan G. Litt, Thomas J. Lally, Jonathan M. Litt, and Greg J. McManus — sets the credit direction. Each member has more than 30 years of experience as a lender, developer, owner-operator, or securitization specialist. The senior leadership team and a bench of 50-plus professionals execute underwriting and asset management, but the board's multi-cycle credit background is the explicit governing mechanism.
How does Monticelloam source its loans?
Monticelloam runs a platform-based origination network that pulls deal flow from repeat borrowers, HUD originators, financial institutions, brokers, and capital-markets intermediaries. That network feeds a national pipeline of potential bridge loan investments. The firm is not a broker; it is the principal that underwrites and closes the loans.
What is the firm's posture on permanent versus bridge lending?
Bridge lending is the core business, but Monticelloam also offers permanent financing options. Structurally, however, every bridge loan is sized and stressed against a permanent agency takeout. The firm's announcement language consistently describes its role as a bridge lender first, with the permanent option functioning as the underwriting benchmark rather than a distinct origination vertical.
Does Monticelloam manage third-party capital?
The firm discloses that it originates loans 'along with firm affiliates,' suggesting capital comes through affiliated entities rather than a widely marketed commingled fund. It has not publicly confirmed a fund structure, discrete LP base, or an AUM figure. Absent a disclosed regulatory filing, it operates as a principal platform that may co-invest or align with affiliated balance sheets.
What happens when a loan goes bad?
Monticelloam runs a dedicated advisory practice that specializes in workouts, restructuring, foreclosures, and special servicing for seniors housing loans. The group can underwrite and diligence single-asset and portfolio equity or loan exposures, build go-forward strategies, and step in as special servicer through the foreclosure process if necessary.
How is Monticelloam different from a broad commercial real estate lender?
It does not chase office, retail, industrial, or mixed-use loans despite noting that capability. The firm's public footprint — from board bios to press announcements — concentrates entirely on multifamily and seniors housing. Underwriting every bridge loan to a fixed agency takeout further narrows the playbook to deals where the permanent exit is a government-guaranteed security rather than a market sale.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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