<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2025 Workiva-->
<!--r:c76f56b5-5140-40ff-9eaa-4ac58a3376fe,g:dcd2f2ac-b05a-402a-bc22-acf1a7e5a2a3-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:suns="http://ir.sunriserealtytrust.com/20250930" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://ir.sunriserealtytrust.com/20250930">
  <xs:import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/stpr/2025" schemaLocation="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="suns-20250930_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="suns-20250930_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="suns-20250930_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="suns-20250930_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="CoverPage" roleURI="http://ir.sunriserealtytrust.com/role/CoverPage">
        <link:definition>0000001 - Document - Cover Page</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDBALANCESHEETS" roleURI="http://ir.sunriserealtytrust.com/role/CONSOLIDATEDBALANCESHEETS">
        <link:definition>9952151 - Statement - CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDBALANCESHEETSParenthetical" roleURI="http://ir.sunriserealtytrust.com/role/CONSOLIDATEDBALANCESHEETSParenthetical">
        <link:definition>9952152 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFOPERATIONSunaudited" roleURI="http://ir.sunriserealtytrust.com/role/CONSOLIDATEDSTATEMENTSOFOPERATIONSunaudited">
        <link:definition>9952153 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFSHAREHOLDERSEQUITYunaudited" roleURI="http://ir.sunriserealtytrust.com/role/CONSOLIDATEDSTATEMENTSOFSHAREHOLDERSEQUITYunaudited">
        <link:definition>9952154 - Statement - CONSOLIDATED STATEMENTS OF SHAREHOLDERS&#8217; EQUITY (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFSHAREHOLDERSEQUITYunauditedParenthetical" roleURI="http://ir.sunriserealtytrust.com/role/CONSOLIDATEDSTATEMENTSOFSHAREHOLDERSEQUITYunauditedParenthetical">
        <link:definition>9952155 - Statement - CONSOLIDATED STATEMENTS OF SHAREHOLDERS&#8217; EQUITY (unaudited) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCASHFLOWSunaudited" roleURI="http://ir.sunriserealtytrust.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWSunaudited">
        <link:definition>9952156 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ORGANIZATION" roleURI="http://ir.sunriserealtytrust.com/role/ORGANIZATION">
        <link:definition>9952157 - Disclosure - ORGANIZATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SIGNIFICANTACCOUNTINGPOLICIES" roleURI="http://ir.sunriserealtytrust.com/role/SIGNIFICANTACCOUNTINGPOLICIES">
        <link:definition>9952158 - Disclosure - SIGNIFICANT ACCOUNTING POLICIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSHELDFORINVESTMENTATCARRYINGVALUE" roleURI="http://ir.sunriserealtytrust.com/role/LOANSHELDFORINVESTMENTATCARRYINGVALUE">
        <link:definition>9952159 - Disclosure - LOANS HELD FOR INVESTMENT AT CARRYING VALUE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CURRENTEXPECTEDCREDITLOSSES" roleURI="http://ir.sunriserealtytrust.com/role/CURRENTEXPECTEDCREDITLOSSES">
        <link:definition>9952160 - Disclosure - CURRENT EXPECTED CREDIT LOSSES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INTERESTRECEIVABLE" roleURI="http://ir.sunriserealtytrust.com/role/INTERESTRECEIVABLE">
        <link:definition>9952161 - Disclosure - INTEREST RECEIVABLE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEBT" roleURI="http://ir.sunriserealtytrust.com/role/DEBT">
        <link:definition>9952162 - Disclosure - DEBT</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIES" roleURI="http://ir.sunriserealtytrust.com/role/COMMITMENTSANDCONTINGENCIES">
        <link:definition>9952163 - Disclosure - COMMITMENTS AND CONTINGENCIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SHAREHOLDERSEQUITY" roleURI="http://ir.sunriserealtytrust.com/role/SHAREHOLDERSEQUITY">
        <link:definition>9952164 - Disclosure - SHAREHOLDERS' EQUITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERSHARE" roleURI="http://ir.sunriserealtytrust.com/role/EARNINGSPERSHARE">
        <link:definition>9952165 - Disclosure - EARNINGS PER SHARE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INCOMETAX" roleURI="http://ir.sunriserealtytrust.com/role/INCOMETAX">
        <link:definition>9952166 - Disclosure - INCOME TAX</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUE" roleURI="http://ir.sunriserealtytrust.com/role/FAIRVALUE">
        <link:definition>9952167 - Disclosure - FAIR VALUE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RELATEDPARTYTRANSACTIONS" roleURI="http://ir.sunriserealtytrust.com/role/RELATEDPARTYTRANSACTIONS">
        <link:definition>9952168 - Disclosure - RELATED PARTY TRANSACTIONS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DIVIDENDSANDDISTRIBUTIONS" roleURI="http://ir.sunriserealtytrust.com/role/DIVIDENDSANDDISTRIBUTIONS">
        <link:definition>9952169 - Disclosure - DIVIDENDS AND DISTRIBUTIONS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REPORTABLESEGMENTS" roleURI="http://ir.sunriserealtytrust.com/role/REPORTABLESEGMENTS">
        <link:definition>9952170 - Disclosure - REPORTABLE SEGMENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SUBSEQUENTEVENTS" roleURI="http://ir.sunriserealtytrust.com/role/SUBSEQUENTEVENTS">
        <link:definition>9952171 - Disclosure - SUBSEQUENT EVENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SIGNIFICANTACCOUNTINGPOLICIESPolicies" roleURI="http://ir.sunriserealtytrust.com/role/SIGNIFICANTACCOUNTINGPOLICIESPolicies">
        <link:definition>9955511 - Disclosure - SIGNIFICANT ACCOUNTING POLICIES (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSHELDFORINVESTMENTATCARRYINGVALUETables" roleURI="http://ir.sunriserealtytrust.com/role/LOANSHELDFORINVESTMENTATCARRYINGVALUETables">
        <link:definition>9955512 - Disclosure - LOANS HELD FOR INVESTMENT AT CARRYING VALUE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CURRENTEXPECTEDCREDITLOSSESTables" roleURI="http://ir.sunriserealtytrust.com/role/CURRENTEXPECTEDCREDITLOSSESTables">
        <link:definition>9955513 - Disclosure - CURRENT EXPECTED CREDIT LOSSES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INTERESTRECEIVABLETables" roleURI="http://ir.sunriserealtytrust.com/role/INTERESTRECEIVABLETables">
        <link:definition>9955514 - Disclosure - INTEREST RECEIVABLE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEBTTables" roleURI="http://ir.sunriserealtytrust.com/role/DEBTTables">
        <link:definition>9955515 - Disclosure - DEBT (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESTables" roleURI="http://ir.sunriserealtytrust.com/role/COMMITMENTSANDCONTINGENCIESTables">
        <link:definition>9955516 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SHAREHOLDERSEQUITYTables" roleURI="http://ir.sunriserealtytrust.com/role/SHAREHOLDERSEQUITYTables">
        <link:definition>9955517 - Disclosure - SHAREHOLDERS' EQUITY (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERSHARETables" roleURI="http://ir.sunriserealtytrust.com/role/EARNINGSPERSHARETables">
        <link:definition>9955518 - Disclosure - EARNINGS PER SHARE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUETables" roleURI="http://ir.sunriserealtytrust.com/role/FAIRVALUETables">
        <link:definition>9955519 - Disclosure - FAIR VALUE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RELATEDPARTYTRANSACTIONSTables" roleURI="http://ir.sunriserealtytrust.com/role/RELATEDPARTYTRANSACTIONSTables">
        <link:definition>9955520 - Disclosure - RELATED PARTY TRANSACTIONS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DIVIDENDSANDDISTRIBUTIONSTables" roleURI="http://ir.sunriserealtytrust.com/role/DIVIDENDSANDDISTRIBUTIONSTables">
        <link:definition>9955521 - Disclosure - DIVIDENDS AND DISTRIBUTIONS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ORGANIZATIONDetails" roleURI="http://ir.sunriserealtytrust.com/role/ORGANIZATIONDetails">
        <link:definition>9955522 - Disclosure - ORGANIZATION (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSHELDFORINVESTMENTATCARRYINGVALUENarrativeDetails" roleURI="http://ir.sunriserealtytrust.com/role/LOANSHELDFORINVESTMENTATCARRYINGVALUENarrativeDetails">
        <link:definition>9955523 - Disclosure - LOANS HELD FOR INVESTMENT AT CARRYING VALUE - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSHELDFORINVESTMENTATCARRYINGVALUEScheduleofLoansHeldatCarryingValueDetails" roleURI="http://ir.sunriserealtytrust.com/role/LOANSHELDFORINVESTMENTATCARRYINGVALUEScheduleofLoansHeldatCarryingValueDetails">
        <link:definition>9955524 - Disclosure - LOANS HELD FOR INVESTMENT AT CARRYING VALUE - Schedule of Loans Held at Carrying Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSHELDFORINVESTMENTATCARRYINGVALUEScheduleofChangesinLoansHeldatCarryingValueDetails" roleURI="http://ir.sunriserealtytrust.com/role/LOANSHELDFORINVESTMENTATCARRYINGVALUEScheduleofChangesinLoansHeldatCarryingValueDetails">
        <link:definition>9955525 - Disclosure - LOANS HELD FOR INVESTMENT AT CARRYING VALUE - Schedule of Changes in Loans Held at Carrying Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSHELDFORINVESTMENTATCARRYINGVALUEScheduleofLoansHeldatCarryingValuePortfolioDetails" roleURI="http://ir.sunriserealtytrust.com/role/LOANSHELDFORINVESTMENTATCARRYINGVALUEScheduleofLoansHeldatCarryingValuePortfolioDetails">
        <link:definition>9955526 - Disclosure - LOANS HELD FOR INVESTMENT AT CARRYING VALUE - Schedule of Loans Held at Carrying Value Portfolio (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CURRENTEXPECTEDCREDITLOSSESNarrativeDetails" roleURI="http://ir.sunriserealtytrust.com/role/CURRENTEXPECTEDCREDITLOSSESNarrativeDetails">
        <link:definition>9955527 - Disclosure - CURRENT EXPECTED CREDIT LOSSES - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CURRENTEXPECTEDCREDITLOSSESScheduleofFinancingReceivableAllowanceforCreditLossDetails" roleURI="http://ir.sunriserealtytrust.com/role/CURRENTEXPECTEDCREDITLOSSESScheduleofFinancingReceivableAllowanceforCreditLossDetails">
        <link:definition>9955528 - Disclosure - CURRENT EXPECTED CREDIT LOSSES - Schedule of Financing Receivable, Allowance for Credit Loss (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CURRENTEXPECTEDCREDITLOSSESScheduleofFinancingReceivableCreditQualityIndicatorsDetails" roleURI="http://ir.sunriserealtytrust.com/role/CURRENTEXPECTEDCREDITLOSSESScheduleofFinancingReceivableCreditQualityIndicatorsDetails">
        <link:definition>9955529 - Disclosure - CURRENT EXPECTED CREDIT LOSSES - Schedule of Financing Receivable Credit Quality Indicators (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INTERESTRECEIVABLEDetails" roleURI="http://ir.sunriserealtytrust.com/role/INTERESTRECEIVABLEDetails">
        <link:definition>9955530 - Disclosure - INTEREST RECEIVABLE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEBTNarrativeDetails" roleURI="http://ir.sunriserealtytrust.com/role/DEBTNarrativeDetails">
        <link:definition>9955531 - Disclosure - DEBT - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEBTScheduleofInterestExpenseDetails" roleURI="http://ir.sunriserealtytrust.com/role/DEBTScheduleofInterestExpenseDetails">
        <link:definition>9955532 - Disclosure - DEBT - Schedule of Interest Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESDetails" roleURI="http://ir.sunriserealtytrust.com/role/COMMITMENTSANDCONTINGENCIESDetails">
        <link:definition>9955533 - Disclosure - COMMITMENTS AND CONTINGENCIES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SHAREHOLDERSEQUITYNarrativeDetails" roleURI="http://ir.sunriserealtytrust.com/role/SHAREHOLDERSEQUITYNarrativeDetails">
        <link:definition>9955534 - Disclosure - SHAREHOLDERS' EQUITY - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SHAREHOLDERSEQUITYScheduleofStockBasedCompensationExpenseDetails" roleURI="http://ir.sunriserealtytrust.com/role/SHAREHOLDERSEQUITYScheduleofStockBasedCompensationExpenseDetails">
        <link:definition>9955535 - Disclosure - SHAREHOLDERS' EQUITY - Schedule of Stock-Based Compensation Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SHAREHOLDERSEQUITYScheduleofNonvestedShareActivityDetails" roleURI="http://ir.sunriserealtytrust.com/role/SHAREHOLDERSEQUITYScheduleofNonvestedShareActivityDetails">
        <link:definition>9955536 - Disclosure - SHAREHOLDER&#8217;S EQUITY - Schedule of Nonvested Share Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SHAREHOLDERSEQUITYScheduleofRestrictedStockAwardsActivityDetails" roleURI="http://ir.sunriserealtytrust.com/role/SHAREHOLDERSEQUITYScheduleofRestrictedStockAwardsActivityDetails">
        <link:definition>9955537 - Disclosure - SHAREHOLDERS' EQUITY - Schedule of Restricted Stock Awards Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERSHAREScheduleofEarningsPerShareBasicandDilutedDetails" roleURI="http://ir.sunriserealtytrust.com/role/EARNINGSPERSHAREScheduleofEarningsPerShareBasicandDilutedDetails">
        <link:definition>9955538 - Disclosure - EARNINGS PER SHARE - Schedule of Earnings Per Share, Basic and Diluted (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERSHARENarrativeDetails" roleURI="http://ir.sunriserealtytrust.com/role/EARNINGSPERSHARENarrativeDetails">
        <link:definition>9955539 - Disclosure - EARNINGS PER SHARE - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INCOMETAXNarrativeDetails" roleURI="http://ir.sunriserealtytrust.com/role/INCOMETAXNarrativeDetails">
        <link:definition>9955540 - Disclosure - INCOME TAX - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEScheduleofBookValueandFairValueoftheFinancialInstrumentsDetails" roleURI="http://ir.sunriserealtytrust.com/role/FAIRVALUEScheduleofBookValueandFairValueoftheFinancialInstrumentsDetails">
        <link:definition>9955541 - Disclosure - FAIR VALUE - Schedule of Book Value and Fair Value of the Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RELATEDPARTYTRANSACTIONSNarrativeDetails" roleURI="http://ir.sunriserealtytrust.com/role/RELATEDPARTYTRANSACTIONSNarrativeDetails">
        <link:definition>9955542 - Disclosure - RELATED PARTY TRANSACTIONS - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RELATEDPARTYTRANSACTIONSScheduleofRelatedPartyTransactionsDetails" roleURI="http://ir.sunriserealtytrust.com/role/RELATEDPARTYTRANSACTIONSScheduleofRelatedPartyTransactionsDetails">
        <link:definition>9955543 - Disclosure - RELATED PARTY TRANSACTIONS - Schedule of Related Party Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DIVIDENDSANDDISTRIBUTIONSDetails" roleURI="http://ir.sunriserealtytrust.com/role/DIVIDENDSANDDISTRIBUTIONSDetails">
        <link:definition>9955544 - Disclosure - DIVIDENDS AND DISTRIBUTIONS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="REPORTABLESEGMENTSDetails" roleURI="http://ir.sunriserealtytrust.com/role/REPORTABLESEGMENTSDetails">
        <link:definition>9955545 - Disclosure - REPORTABLE SEGMENTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SUBSEQUENTEVENTSDetails" roleURI="http://ir.sunriserealtytrust.com/role/SUBSEQUENTEVENTSDetails">
        <link:definition>9955546 - Disclosure - SUBSEQUENT EVENTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="suns_AccruedDirectAdministrativeExpenses" abstract="false" name="AccruedDirectAdministrativeExpenses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_StockIssuedDuringPeriodValueEffectOfCorporateConversion" abstract="false" name="StockIssuedDuringPeriodValueEffectOfCorporateConversion" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_StockIssuedDuringPeriodSharesEffectOfCorporateConversion" abstract="false" name="StockIssuedDuringPeriodSharesEffectOfCorporateConversion" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="suns_SharesIssuedSharesShareBasedPaymentArrangementNettedAfterForfeiture" abstract="false" name="SharesIssuedSharesShareBasedPaymentArrangementNettedAfterForfeiture" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="suns_SharesGrantedValueShareBasedPaymentArrangementNettedAfterForfeiture" abstract="false" name="SharesGrantedValueShareBasedPaymentArrangementNettedAfterForfeiture" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_StockholdersEquityNoteSpinoffTransactionShares" abstract="false" name="StockholdersEquityNoteSpinoffTransactionShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="suns_AdjustmentsToAdditionalPaidInCapitalCapitalContributions" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalCapitalContributions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_InterestDrawnOnLoans" abstract="false" name="InterestDrawnOnLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_PIKInterestNet" abstract="false" name="PIKInterestNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_OriginalIssueDiscountWithheldFromFundingOfLoans" abstract="false" name="OriginalIssueDiscountWithheldFromFundingOfLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_LoansHeldForInvestmentAtCarryingValueAbstract" abstract="true" name="LoansHeldForInvestmentAtCarryingValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="suns_LoansHeldForInvestmentAtCarryingValueTextBlock" abstract="false" name="LoansHeldForInvestmentAtCarryingValueTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="suns_DividendsAndDistributionsAbstract" abstract="true" name="DividendsAndDistributionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="suns_DividendsAndDistributionsTextBlock" abstract="false" name="DividendsAndDistributionsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="suns_ChangesInLoansHeldForInvestmentAtCarryingValueTableTextBlock" abstract="false" name="ChangesInLoansHeldForInvestmentAtCarryingValueTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="suns_LoansHeldForInvestmentAtCarryingValuePortfolioTableTextBlock" abstract="false" name="LoansHeldForInvestmentAtCarryingValuePortfolioTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="suns_SummaryOfInterestExpenseTableTextBlock" abstract="false" name="SummaryOfInterestExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="suns_LoanCommitmentsTableTextBlock" abstract="false" name="LoanCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="suns_SunriseRealtyTrustInc.SUNSMember" abstract="true" name="SunriseRealtyTrustInc.SUNSMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_AFCGammaMember" abstract="true" name="AFCGammaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_SpinoffTransactionCommonSharesExchangeRatio" abstract="false" name="SpinoffTransactionCommonSharesExchangeRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="suns_NumberOfLoansHeldForInvestments" abstract="false" name="NumberOfLoansHeldForInvestments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="suns_LoansHeldForInvestmentAtCarryingValueAggregateCommitments" abstract="false" name="LoansHeldForInvestmentAtCarryingValueAggregateCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_LoansHeldForInvestmentAtCarryingValueOutstandingPrincipalNewFundings" abstract="false" name="LoansHeldForInvestmentAtCarryingValueOutstandingPrincipalNewFundings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_ReceivableWithImputedInterestLoanRepaymentsAndAmortizationPayments" abstract="false" name="ReceivableWithImputedInterestLoanRepaymentsAndAmortizationPayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_PercentageOfLoansHeldWithFloatingInterestRates" abstract="false" name="PercentageOfLoansHeldWithFloatingInterestRates" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="suns_LoansHeldForInvestmentQuotedInterestRate" abstract="false" name="LoansHeldForInvestmentQuotedInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="suns_LoansHeldForInvestmentInterestRateFloor" abstract="false" name="LoansHeldForInvestmentInterestRateFloor" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="suns_LoansHeldForInvestmentWeightedAverageRemainingLife" abstract="false" name="LoansHeldForInvestmentWeightedAverageRemainingLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="suns_LoansHeldAtCarryingValuePrincipalRollForward" abstract="true" name="LoansHeldAtCarryingValuePrincipalRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="suns_ReceivableWithImputedInterestNewFundingFaceAmount" abstract="false" name="ReceivableWithImputedInterestNewFundingFaceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_ReceivableWithInterestDrawnOnLoansFaceAmount" abstract="false" name="ReceivableWithInterestDrawnOnLoansFaceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_ReceivableWithImputedInterestLoanRepaymentsFaceAmount" abstract="false" name="ReceivableWithImputedInterestLoanRepaymentsFaceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_ReceivableWithPaidInKindInterestFaceAmount" abstract="false" name="ReceivableWithPaidInKindInterestFaceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_LoansHeldAtCarryingValueOriginalIssueDiscountRollForward" abstract="true" name="LoansHeldAtCarryingValueOriginalIssueDiscountRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="suns_ReceivableWithImputedInterestDiscountOnNewFunding" abstract="false" name="ReceivableWithImputedInterestDiscountOnNewFunding" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_ReceivableWithAccretionOfOriginalIssueDiscountPremium" abstract="false" name="ReceivableWithAccretionOfOriginalIssueDiscountPremium" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_LoansHeldAtCarryingValueRollForward" abstract="true" name="LoansHeldAtCarryingValueRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="suns_ReceivableWithImputedInterestNewFundingNetAmount" abstract="false" name="ReceivableWithImputedInterestNewFundingNetAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_ReceivableWithInterestDrawnOnLoansNetAmount" abstract="false" name="ReceivableWithInterestDrawnOnLoansNetAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_AccretionOfOriginalIssueDiscountNetAmount" abstract="false" name="AccretionOfOriginalIssueDiscountNetAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_ReceivableWithImputedInterestLoanRepayments" abstract="false" name="ReceivableWithImputedInterestLoanRepayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_ReceivableWithPaidInKindInterestNetAmount" abstract="false" name="ReceivableWithPaidInKindInterestNetAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_ResidentialUseSeniorMortgageLoanAustinTXMember" abstract="true" name="ResidentialUseSeniorMortgageLoanAustinTXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_MixedUseSeniorMortgageLoanSanAntonioTXMember" abstract="true" name="MixedUseSeniorMortgageLoanSanAntonioTXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ResidentialUseSeniorMortgageLoanPBGFLMember" abstract="true" name="ResidentialUseSeniorMortgageLoanPBGFLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ResidentialUseSeniorMortgageLoanPBGFLIIMember" abstract="true" name="ResidentialUseSeniorMortgageLoanPBGFLIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ResidentialUseSeniorMortgageLoanFortLauderdaleFLMember" abstract="true" name="ResidentialUseSeniorMortgageLoanFortLauderdaleFLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_MixedUseSeniorMortgageLoanAustinTXMember" abstract="true" name="MixedUseSeniorMortgageLoanAustinTXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ResidentialUseSeniorMortgageLoanAventuraFLMember" abstract="true" name="ResidentialUseSeniorMortgageLoanAventuraFLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_MixedUseSeniorMortgageLoanNewOrleansLAMember" abstract="true" name="MixedUseSeniorMortgageLoanNewOrleansLAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ResidentialUseSeniorMortgageLoanDallasTXMember" abstract="true" name="ResidentialUseSeniorMortgageLoanDallasTXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ResidentialUseSeniorMortgageLoanParkCityUTMember" abstract="true" name="ResidentialUseSeniorMortgageLoanParkCityUTMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ResidentialUseSeniorMortgageLoanMiamiFLMember" abstract="true" name="ResidentialUseSeniorMortgageLoanMiamiFLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ResidentialUseSubordinateDebtMiamiFLMember" abstract="true" name="ResidentialUseSubordinateDebtMiamiFLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ResidentialUseSubordinateDebtMiamiFLIIMember" abstract="true" name="ResidentialUseSubordinateDebtMiamiFLIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_PaymentInKindPIKInterestRateMember" abstract="true" name="PaymentInKindPIKInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ResidentialMember" abstract="true" name="ResidentialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_HospitalityMember" abstract="true" name="HospitalityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_NetLeasedTenantMember" abstract="true" name="NetLeasedTenantMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ANotesMember" abstract="true" name="ANotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_BNotesMember" abstract="true" name="BNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_LoansHeldAtInvestmentCarryingAmountAbstract" abstract="true" name="LoansHeldAtInvestmentCarryingAmountAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="suns_CurrentExpectedCreditLossesReserveMember" abstract="true" name="CurrentExpectedCreditLossesReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_FundedLoanCommitmentMember" abstract="true" name="FundedLoanCommitmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_FinancingReceivableAllowanceCommitmentBalance" abstract="false" name="FinancingReceivableAllowanceCommitmentBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_RiskLevelVeryLowMember" abstract="true" name="RiskLevelVeryLowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_RiskLevelImpairedLossLikelyMember" abstract="true" name="RiskLevelImpairedLossLikelyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_LoansHeldForInvestmentAndFinancingReceivableBeforeAllowanceForCreditLoss" abstract="false" name="LoansHeldForInvestmentAndFinancingReceivableBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_InterestReceivables" abstract="false" name="InterestReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_UnusedFeesReceivable" abstract="false" name="UnusedFeesReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_PaidInKindInterestReceivable" abstract="false" name="PaidInKindInterestReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_OtherFeesReceivable" abstract="false" name="OtherFeesReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_RevolvingCreditFacilityOtherMember" abstract="true" name="RevolvingCreditFacilityOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_SRTFRevolvingCreditFacilityMember" abstract="true" name="SRTFRevolvingCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_LineOfCreditFacilityAccordionFeatureIncreaseLimit" abstract="false" name="LineOfCreditFacilityAccordionFeatureIncreaseLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_DebtInstrumentAgentFee" abstract="false" name="DebtInstrumentAgentFee" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_LineOfCreditFacilityCommencementOfPaymentOfUnusedCapacityCommitmentFeePercentage" abstract="false" name="LineOfCreditFacilityCommencementOfPaymentOfUnusedCapacityCommitmentFeePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="suns_LineOfCreditFacilityLiquidityCovenantMinimumAmount" abstract="false" name="LineOfCreditFacilityLiquidityCovenantMinimumAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_LineOfCreditFacilityLiquidityCovenantOutstandingObligationsPercent" abstract="false" name="LineOfCreditFacilityLiquidityCovenantOutstandingObligationsPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="suns_LineOfCreditFacilityCovenantQuarterlyDebtServiceCoverageRatioMinimum" abstract="false" name="LineOfCreditFacilityCovenantQuarterlyDebtServiceCoverageRatioMinimum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="suns_LineOfCreditFacilityCovenantLeverageRatioMaximum" abstract="false" name="LineOfCreditFacilityCovenantLeverageRatioMaximum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="suns_ContractualObligationLoanCommitments" abstract="false" name="ContractualObligationLoanCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_ContractualObligationDrawnLoanCommitments" abstract="false" name="ContractualObligationDrawnLoanCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_DividendReinvestmentPlanMember" abstract="true" name="DividendReinvestmentPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_EquityIncentivePlan2024Member" abstract="true" name="EquityIncentivePlan2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_January2025PublicOfferingMember" abstract="true" name="January2025PublicOfferingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ShelfRegistrationStatementMember" abstract="true" name="ShelfRegistrationStatementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_AtTheMarketOfferingProgramMember" abstract="true" name="AtTheMarketOfferingProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_SaleOfStockConsiderationReceivedOnTransactionUnderwritingDiscounts" abstract="false" name="SaleOfStockConsiderationReceivedOnTransactionUnderwritingDiscounts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_SaleOfStockMaximumAggregateOfferingAmount" abstract="false" name="SaleOfStockMaximumAggregateOfferingAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_SaleOfStockCommissionPercentage" abstract="false" name="SaleOfStockCommissionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="suns_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsConvertedCumulative" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsConvertedCumulative" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="suns_ShareBasedCompensationArrangementByShareBasedPaymentAwardShareLimit" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardShareLimit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="suns_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantedCumulative" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantedCumulative" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="suns_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedCumulative" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedCumulative" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="suns_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedCumulative" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedCumulative" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="suns_ExerciseTaxAsAPercentageOfUndistributedOrdinaryIncomeAndNetCapitalGains" abstract="false" name="ExerciseTaxAsAPercentageOfUndistributedOrdinaryIncomeAndNetCapitalGains" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="suns_LoansHeldForInvestmentFairValue" abstract="false" name="LoansHeldForInvestmentFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="suns_MembersAndTrustsMember" abstract="true" name="MembersAndTrustsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ChiefLegalOfficerMember" abstract="true" name="ChiefLegalOfficerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_PercentageOfBaseManagementFees" abstract="false" name="PercentageOfBaseManagementFees" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="suns_PercentageOfAggregateAmountOfAnyOutsideFees" abstract="false" name="PercentageOfAggregateAmountOfAnyOutsideFees" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="suns_OwnershipInterestPercentage" abstract="false" name="OwnershipInterestPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="suns_NumberOfCoInvestedLoansHeld" abstract="false" name="NumberOfCoInvestedLoansHeld" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="suns_O2024Q3PartialDividendsMember" abstract="true" name="O2024Q3PartialDividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_O2024Q3DividendsMember" abstract="true" name="O2024Q3DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_SixBorrowersMember" abstract="true" name="SixBorrowersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_FourBorrowersMember" abstract="true" name="FourBorrowersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_TwoBorrowersMember" abstract="true" name="TwoBorrowersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_NumberOfBorrowers" abstract="false" name="NumberOfBorrowers" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="suns_DoralFloridaMember" abstract="true" name="DoralFloridaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_WestPalmBeachFloridaMember" abstract="true" name="WestPalmBeachFloridaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_MixedUseMember" abstract="true" name="MixedUseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="suns_ReceivableWithImputedInterestDiscountRate" abstract="false" name="ReceivableWithImputedInterestDiscountRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
</xs:schema>
