Direct Lender for Residential & Multifamily Properties Investors
Purchase Bridge | Refinance Bridge | Equity Cash Out | Fix & Flip | Rehab & Rent
Cityscape Finance LLC is a direct balance sheet private lending firm that offers efficient financing to real estate investors in 17 states. We have funded over 300 Million 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!
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Residential Construction
Multifamily Construction
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
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
Property Types
- 2-4 Units Residential
- Condominium
- Mixed-Use
- Multifamily
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
Specialty Loan Types
- Residential Short-Term Rental
Max Loan-to-Purchase Price
80%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
5Maximum After Repair Value
75%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
3Max LTC for Ground-Up Construction Costs
100%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
noMinimum Loan Amount
$125,000Maximum Loan Amount
$2,000,000Minimum Interest Rate
7.75%Maximum Interest Rate
9.50%Minimum Loan Term
60 monthsMaximum Loan Term
360 monthsMaximum Loan-To-Value
80%Maximum Loan-To-Purchase
80%Minimum Debt Service Coverage Ratio
1.10Minimum Credit Score
660Will Lend on a Portfolio of Properties
YesMinimum Number of Properties
3Maximum Number of Properties
20Minimum Property Value
$155,000Processing 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
Cityscape Finance, LLC Testimonials
Speed
Olympia Financials
"I have been working as a mortgage broker for over a decade, and I can confidently say that the speed at which CityScape Finance operates is unparalleled. In this fast-paced industry, time is of the essence, and CityScape delivers every time. They understand the urgency of our clients' needs and consistently provide quick approvals and funding. Thanks to their efficient processes, my clients have been able to seize lucrative investment opportunities without delay. I highly recommend CityScape Finance to any broker or borrower seeking swift and reliable financing solutions"
Los Angeles, CA
White Label Program and Quick Approval Process
Darren
"As a mortgage broker, partnering with CityScape Finance's white label program has been a game-changer for my business. The program allows me to offer my clients access to CityScape's exceptional lending services while maintaining my own brand identity. The quick approval process they have in place ensures that my clients can secure the financing they need promptly. CityScape Finance's white label program has elevated my business and allowed me to provide a comprehensive range of lending solutions to my clients, all while benefiting from their expertise and streamlined processes. I highly recommend CityScape Finance's white label program to fellow brokers looking to expand their offerings and enhance their service quality."
Los Angeles, CA
Competitive Rates and Wide Product Range
Adam
""I recently had the pleasure of securing a loan directly from CityScape Finance, and I am thoroughly impressed with their competitive rates and wide product range. They offered me a variety of loan options to choose from, tailored to my specific needs. Not only did they provide me with a loan at a favorable interest rate, but they also ensured that the terms were flexible and aligned with my financial goals. What sets CityScape Finance apart is their commitment to transparency and customer satisfaction. They delivered exactly what they promised, without any hidden fees or surprises. I would highly recommend CityScape Finance to anyone in need of reliable and affordable financing solutions"
Sacramento, CA
Contact Cityscape Finance, LLC
Stay Informed About Private Lending
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.
Office Locations
177 E Colorado Blvd., Ste 2096, Pasadena, California 91105Contact Cityscape Finance, LLC
Stay Informed About Private Lending
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, LLC 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.
Our Minimum Loan Amount Is
$125,000
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