Direct Lender for Residential & Multifamily Properties Investors

Purchase Bridge | Refinance Bridge | Equity Cash Out | Fix & Flip | Rehab & Rent

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Cityscape Finance LLC is a direct private lending firm that offers efficient financing to real estate investors in 17 states. We have funded over 500 loans and have lots of capital to deploy. We’ve built a state-of-the-art tech-based platform give you the ability to obtain instant pricing and pre-qualification to reduce your turn times and speeds the origination process to get loans closed quicker than any of our competitors.

Use our portal to get instant pre-qualification, pricing options, and a term sheet!

PRICE A LOAN

Property Geographic Area Details
CA, CO, CT, FL, GA, IL, MA, MI, MO, NY, NJ, NC, OH, PA, SC, TN, TX
Loan Amounts
$75,000 to $4,000,000
Interest Rates
8.50% to 12.75%
Loan Terms
6 months to 36 months
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 75%
Max LTP Multifamily: 75%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Residential Fix & Flip
Max LTP: 80%
Max LTC: 100%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 80%
Max LTC: 100%
Max LTARV: 75%
Multifamily Value-Add
Max LTP: 80%
Max LTC: 100%
Max LTARV: 75%
Residential Construction
Max LTC: 100%
Max LTCV: 75%
Multifamily Construction
Max LTC: 100%
Max LTCV: 75%

Cityscape offers competitive financing for the following non-owner occupied properties:

  • Single Family Residential
  • 2-4 Unit Properties
  • Multi 5+ (5-30 Units)
  • Mixed Use Commercial

Rehab Loans for Experienced Investors

  • 12, 18, 24 & 36 month terms available
  • 100% Rehab Financing Available
  • Max Loan Amount $4 million (up to $10 million for well qualified & experienced borrowers)
  • Max Refinance LTV: 80%
  • Max Purchase LTV: 85%
  • Max LTC: 95%
  • Max ARV: 75%
  • Minimum FICO: 600

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Rehab Loans for New Investors

  • 12 & 18 month terms
  • 100% Rehab Financing Available
  • Max Loan Amount $2,500,000
  • Max Purchase LTV: 75%
  • Max LTC: 85%
  • Max ARV: 65%
  • Minimum FICO: 650

GET PRE-QUALIFIED INSTANTLY

Property Types

  • 2-4 Units Residential
  • Multifamily
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
For a rehab deal, borrowers must bring 20% cash to closing. For a stabilized deal with no rehab budget, the maximum is 75%, and the borrower must have a 25% cash down payment. We do not allow seller financing in 2nd position.

Max Loan-to-Purchase Price

80%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
We fund 100% of the rehab budget.

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

3

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

5

Maximum After Repair Value

75.00%
The project must be fully permitted, approved, and shovel-ready. We will not fund a land purchase or land development.

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

3

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

no

Processing Fee

Typically $999 for most loans but could go up to $2,199 for larger deals

Appraisal Fee

We do require a third party valuation, but we don't always require a full appraisal. Alternate valuation methods may be accepted for loans under $1,500,000.

Minimum Origination Fee Amount

$490

Fees which are mandatory for all new borrower clients

  • Processing Fee

Fees which are paid to a third party company

  • Documents Fee
  • Legal Fee
  • Settlement Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee
  • Background Check Fee

Details and Requirements

Payment Structure
  • Interest Only
Pre Payment Penalty

yes

3 months
Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

600

Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Additional Details

We charge an origination and processing fee. Borrower pays for all 3rd party fees which varies by state, deal type and loan amount.

Funded Deals

Get In Touch

Cityscape Finance pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.

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Cityscape Finance, LLC was founded by 3 technology entrepreneurs who initially stumbled across private mortgages as a way to invest their money in debt secured by real estate in California. They realized there was a great opportunity to lend on a national scale while leveraging technology in a way that most other private lending firms cannot.

We developed a state of the art tech-based platform and pricing engine for private lending brokers to price deals and instantly generate term sheets. Our technology has the capability to provide real pricing along with white label solutions which helps speed the process to get deals closed in record time.

GET INSTANT PRICING

Company Size (Number of Employees)

40

Year Established

2018

Office Locations

2219 Main Street, Santa Monica, California 90405



Primary Capital Source
  • Own Funds
  • Debt Fund We Manage
  • Family Offices
  • Single Capital Partner
  • Other Private Lending Companies
  • Bank Credit Line
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

10%

Percentage of Loans Secured by Residential Property

90%

Total Number of Loans Funded to Date

520

Total Loan Volume Funded to Date

$200,000,000

Get In Touch

Cityscape Finance pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

Contact This Lender

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact Cityscape Finance by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$75,000

What We Do

  • Bridge, Fix & Flip, Ground-Up Construction
  • Residential & Multifamily Properties
  • LTP up to 80% for Rehab Projects (20% down payment)
  • Transparent and Straight-Forward Pricing
  • Instant Pre-Qualification and Pricing on our Technology Portal

Not Available

  • NO Owner-Occupied Homes
  • NO 100% Financing
  • NO Junior Liens / 2nd Mortgages
  • NO Land or Special-Use Properties
  • NO Commercial Property except Multifamily

Send an email to Cityscape Finance