Cityscape Finance

Direct Lender for Residential & Multifamily Properties Investors

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

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

GET PRE-QUALIFIED INSTANTLY

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

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

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

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

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

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

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

Will Consider Collateralizing Multiple Properties in One Loan

Will Consider Equity Joint Venture

Borrower Entity Types Considered

LLC
Corporation

Documentation Required

Credit Report
Tax Returns
Bank Statements
Financial Statements
Loan Application

$150,400

Single Family Residence

View Transaction

Yucca Valley, CA

$960,000

Single Family Residence

View Transaction

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)

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.

Contact COMPANY

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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