245 Railroad Street — 7-unit craftsman townhome development · Manville RI
Bedrosian Homes LLC · Real Estate Development · Rhode Island

Multi-Family
Development
Portfolio

A seasoned contractor expanding into development — architectural plans drawn, comps sold across the street, and a clear path to 10 new units in Rhode Island.

2
Development sites
60+
5★ reviews
5+
Years · licensed RI
Architectural rendering
245 Railroad St — 7-unit craftsman townhomes · Manville RI
The Developer

Who you're lending to.

Bedrosian Homes wasn't built on borrowed credibility — it was built job by job, from scratch, starting November 2020. Here's the track record.

KB
Krikor Bedrosian
Founder & Principal · Bedrosian Homes LLC · Est. Nov 2020
100+
Jobs completed
60+
5★ Reviews · Angi & Thumbtack
GC-44997
RI License #
5+
Years in trade

Krikor Bedrosian launched Bedrosian Homes LLC in November 2020 — during one of the most difficult periods for small business in recent memory — and built it into a thriving, 5-star-rated contracting operation with 100+ completed projects across Rhode Island.

From full gut renovations to insurance claim rebuilds, kitchens, bathrooms, exteriors, and basements, the breadth of work is matched by a consistent record of quality and client satisfaction. This is a builder who knows exactly what it costs to construct the projects he's proposing — because he does this work every day.

The move into multi-family development is a natural, calculated next step: use existing skills, relationships, and capital to build long-term wealth through ownership rather than labor alone.

★★★★★
60+ verified 5-star reviews · Angi & Thumbtack
60+ verified 5-star reviews across Angi and Thumbtack. Consistent top-rated feedback on quality, communication, and follow-through on every job.
🔨
Licensed general contractor · Rhode Island · Lic. #GC-44997
Fully licensed and insured with the RI Contractors' Registration & Licensing Board (CRLB). License #GC-44997 — verified active. Experienced managing subs, permitting, and project delivery across 100+ jobs.
📐
Architectural plans in hand — both sites
245 Railroad (7-unit, Dec 2022) and 511 Broad (3-unit, Feb 2026) fully drawn by National Design & Drafting — (401) 714-2586. Permit-ready the day financing closes.
🏗️
Builder as borrower — key risk reducer
Unlike a developer hiring an unknown GC, Krikor is the contractor. Cost control, schedule, and quality are all under one roof. No markup to an outside builder — that margin stays in the deal.
The Portfolio

Two properties.
One strategy.

Use the equity in an existing, architect-planned 1-acre asset to fund new construction — the existing 2-family is retained throughout, preserving collateral and rental income.

The Collateral
245 Railroad Street — existing 2-family
245 Railroad Street
Manville, RI 02838 · existing 2-family · 1 acre lot
Est. value
$650k–$720k
Current mortgage
$230,000
Gross equity
~$420,000
Available LOC (75% LTV)
~$257,000

Existing 2-family on a full acre in Manville. Refinancing this property retires the $230k private mortgage and unlocks a revolving line of credit. The existing 2-family structure is retained throughout — the bank's collateral is preserved. 5 new townhomes are added to the rear of the 1-acre lot.

✓ Architectural plans complete · 7-unit development · NDD · Dec 2022
Market Evidence

Recent sales
set the floor.

Two multi-family sales within one mile, both closed within the past 40 days — establishing a clear market value for 245 Railroad Street before the lot-size advantage and development plans are factored in.

Sold 4/30/26
252 Railroad St
Manville, RI · directly across the street
$616,900
Sold 4/21/26
1 Bouvier Ave
Lincoln, RI · same submarket
$670,000
Subject property
245 Railroad St
Manville, RI · collateral
$650k–$720k
Property type 2-family Multi-family 2-family same
Lot size 0.46 acres (20,000 SF) TBD 1.0 acre (26,591 SF) 2× larger
Square footage 2,064 SF Multi-unit 1,608 SF livable + garages
Garages / parking 2 garages 3 garages + 10 spaces more
Development potential Limited Limited 5 new units + 2 retained
Architectural plans None None Complete · permit-ready
Sale result $27k over asking Closed at ask Est. $650k–$720k
Value adjustment Base: $616,900 Base: $670,000
Base (252 Railroad): $616,900
+ Lot size (2×): +$30–50k
+ Dev plans + zoning: +$30–50k
+ Garages + parking: +$5–10k
Est. range: $650,000–$720,000
The takeaway: Both comps sold quickly at or above asking — the market is active. 245 Railroad matches the same asset class as 252 directly across the street, with double the land, confirmed development plans, and more parking. These adjustments are based on a sale that closed 27 days ago, across the street.
The Development — Project 1Immediate
Existing 511 Broad Street · Cumberland, RI 02864
511 Broad Street existing
Commercial/mixed-use structure · development site
Proposed 3-unit townhouse development
511 Broad Street proposed rendering
3 × 3-floor townhouses · 2BR/2BA · garage per unit · NDD plans complete
3
New townhouse units
3 floors
Per unit
2BR / 2BA
Per unit
1 garage
Per unit
~$1.45M
Budget (mid)
~$483k
Cost per unit
✓ Architectural plans complete · National Design & Drafting · Feb 2026
The Development — Project 2Future Phase
Existing 245 Railroad Street · Manville, RI 02838
245 Railroad Street existing 2-family
Existing 2-family retained · 1-acre lot · collateral property
Proposed 5 new craftsman townhomes · rear of lot
245 Railroad Street 3D elevation rendering
5 new units added to rear · existing 2-family stays · 3-unit fallback if required
5
New units planned
2
Existing retained
1,608 SF
Livable per unit
1 garage
Per unit
1 acre
Lot size
3 min.
Fallback units
✓ Architectural plans complete · National Design & Drafting · Dec 2022 · Zoning confirmed
Architectural Plans

Permit-ready.
Both sites.

Complete drawings by National Design & Drafting — floor plans, elevations, site plans, and 3D renderings for both properties. Ready to submit the day financing closes.

511 Broad Street — 3-unit townhouse development · Cumberland RI
Perspective rendering — 4 views
511 Broad Street — architectural perspective views
245 Railroad Street — 5-unit craftsman development + 2 existing retained · Manville RI
Existing site plan
Existing site plan
Proposed site plan — 7 units
Proposed site plan
How the structure works
Conventional refi on 245 Railroad → revolving LOC on equity → staged draws fund 511 Broad construction
1
Conventional loan secured by 245 Railroad Street
2
$230k payoff retires private mortgage at closing
3
~$257k revolving line of credit established
4
LOC funds permits, site work, early framing
5
Construction-to-perm loan covers balance of build
6
Unit sales or rental income retires LOC balance
511 Broad — Construction Budget

What it costs to build.

Based on 2026 Rhode Island construction rates ($350–$425/SF builder-grade multi-family). Plans in hand — no architectural contingency needed. Krikor manages the build as GC.

Conservative
~$1.1M
~$215/SF all-in
Owner-GC, established contractor relationships, basic finish level. Achievable — not the primary planning number.
Line itemLowMidNotes
Site work
Demolition + site prep + grading$15,000$25,000Clearing, excavation
Foundation + CMU + concrete slab$60,000$80,000Per plans — CMU wall spec
Utilities + site connections$20,000$35,000Water, sewer, gas, electric
Driveways + concrete patios × 3$18,000$28,000Per plans — patio per unit
Structure + envelope
Framing — 2×6 ext / 2×4 int · 3 floors × 3 units$155,000$230,000Per NDD construction spec
Roofing — 3 pitched roofs$45,000$60,000Architectural shingle per elevation
Windows + exterior doors$45,000$65,000Double-hung windows per plans
Garage doors — 1 per unit$8,000$12,000$2,500–4,000 each
Siding + exterior finish$40,000$60,000Hardie board per elevation drawings
Insulation — 2×6 insulated spec$25,000$35,000Spray foam + batt
Rear decks × 3$24,000$45,000Per 2nd floor plan — stairs to grade
Mechanical / electrical / plumbing
Plumbing × 3 units$54,000$75,000~$18–25k per unit
HVAC × 3 units$45,000$60,000~$15–20k per unit
Electrical × 3 units$45,000$66,000~$15–22k per unit
Interior finishes
Drywall + taping + finish$26,000$41,000All 3 units
Hardwood floors — 2nd + 3rd floors$35,000$52,000Per plans · $8–12/SF installed
Vinyl plank — 1st floor offices$8,000$14,000Per plans · $4–7/SF installed
Kitchens × 3$54,000$84,000Cabinets, counters, appliances
Bathrooms — 6 full + 3 half$72,000$108,000Tile, fixtures, vanities
Stairs + railings × 3 units$24,000$42,000Interior + deck stairs
Doors + trim + interior paint$24,000$36,000Per unit allowance
Laundry hookups × 3$5,000$8,000Per plans — 3rd floor each unit
Hard costs subtotal$847,000$1,261,000
Soft costs
Permits + impact fees (Cumberland, RI)$12,000$20,000Building, plumbing, electrical, mechanical
Architecture / structural engineering$8,000$15,000Plans in hand — structural eng. additional
GC overhead + profit (12–18%)$101,000$227,000On hard costs
Construction insurance$8,000$12,000Builder's risk + liability
Survey + geotech$5,000$10,000Required for permit application
Landscaping + final grading$8,000$15,000Loam, seed, walkways
Contingency (10% on hard costs)$85,000$126,000Cost overruns + change orders
Total project budget~$1,074,000~$1,686,000Land excluded · plans in hand
Sale scenario — the math worksAll-in ~$483k per unit at mid budget. Comps trading $580k–$670k+ in this market right now. At $580k × 3 = $1.74M gross — ~$290k gross profit before carrying costs.
LOC draw strategy — already accounted for~$257k funds pre-construction through early framing (~4–6 months). Construction-to-perm covers the balance. Not a gap — a deliberate phased strategy.
245 Railroad — Development Budget

Future phase
cost estimate.

Based on 2026 Rhode Island construction rates. Existing 2-family is fully retained — only the 5 new rear townhomes are built. Conservative fallback of 3 units also shown.

3 units · fallback
~$870k–$1.0M
~$275–310/SF all-in
Minimum viable build if zoning pushback requires scaling back. Still strong return — ~$290k per unit cost vs. $580k+ comps.
Line item3 units (low)5 units (mid)Notes
Site work
Site prep + grading (rear lot only)$12,000$20,000Existing structure untouched
Foundation + concrete × units$45,000$75,000Slab per unit
Utilities + connections$15,000$25,000Tap into existing where possible
Driveways + porches × units$15,000$25,000Per plans — porch per unit
Structure + envelope
Framing — 2×6 ext / 2×4 int · 2 floors × units$110,000$185,000Per NDD spec
Roofing × units$30,000$50,000Architectural shingle
Windows + exterior doors$30,000$50,000Per plans
Garage doors — 1 per unit$8,000$13,000$2,500–3,000 each
Siding + exterior finish$28,000$46,000Board & batten / shingle per rendering
Insulation$16,000$26,000Spray foam + batt
Mechanical / electrical / plumbing
Plumbing × units$36,000$60,000~$12–15k per unit
HVAC × units$30,000$50,000~$10–12k per unit
Electrical × units$30,000$50,000~$10–12k per unit
Interior finishes
Drywall + finish$18,000$30,000All units
Hardwood floors$22,000$36,000Per plans · $8–12/SF
Kitchens × units$36,000$60,000$12–15k per unit
Bathrooms × units$40,000$66,0002 full + 1 half per unit
Stairs + railings × units$15,000$25,000Interior per unit
Doors + trim + paint$15,000$25,000Per unit allowance
Laundry hookups × units$3,000$5,000Per plans
Hard costs subtotal$554,000$922,000
Soft costs
Permits + impact fees (Lincoln/Manville)$10,000$18,000Incl. special use permit if req'd
Architecture / structural engineering$5,000$8,000Plans in hand — updates only
GC overhead + profit (12–18%)$66,000$166,000On hard costs
Construction insurance$6,000$10,000Builder's risk + liability
Survey + geotech$4,000$6,000Rear lot only
Landscaping + grading$6,000$10,000Rear lot finish
Contingency (10%)$55,000$92,000Cost overruns
Total project budget~$706,000~$1,232,000Existing 2-family untouched
5-unit sale scenarioAll-in ~$246k per unit at mid budget. At $580k/unit × 5 = $2.9M gross proceeds. Minus ~$1.23M build cost = ~$1.67M gross profit — plus the existing 2-family remains as a rental income asset.
Collateral preserved throughoutThe existing 2-family at 245 Railroad is never demolished or encumbered. The bank's collateral remains intact from day one through completion. New units are additive to the asset — not a replacement.
Project Roadmap

The path forward.

A phased approach from financing today through to the long-term 7-unit value play at Railroad Street.

Phase 1 · Now
Financing — refinance + establish LOC
Retire the $230k private mortgage at 245 Railroad Street. Establish ~$257k revolving LOC. Bank's security: Railroad Street at established market value, supported by spring 2026 comparable sales.
Phase 2 · 511 Broad
Permitting + site preparation
Submit complete NDD plans (Feb 2026) to Cumberland building department. Soil test, survey, utility connections. First LOC draws begin covering pre-construction costs.
Phase 3 · 511 Broad
Construction — foundation through finish
Break ground on 3 townhouse units. Staged LOC draws through early framing, then transition to a construction-to-perm draw loan. Krikor manages the build directly — no unknown contractor markup.
Phase 4 · 511 Broad
Certificate of occupancy + stabilization
Three units sold or leased. At $580k/unit (conservative vs. comps at $616k–$670k), gross proceeds ~$1.74M. LOC retired. Proven development track record established.
Phase 5 · 245 Railroad
7-unit development — the long-term value play
With 511 Broad complete and the LOC freed up, commence the 7-unit craftsman development at Railroad Street. Entitled, zoned, plans in hand. The equity machine compounds.