Cityscape Finance, LLC
Cityscape Finance, LLC is a private lender in Pasadena, California, specializing in short-term bridge loans for Southern California real estate investors. They manage over $300 million in funded loans, focusing on residential and multifamily properties with a max loan amount of $2 million.
Common Loan Scenarios
- Bridge Loans only (in 1st position)
- Purchase, Refinance, Cash out
- Residential Investment Properties
- Multifamily & Mixed-Use Properties
- Borrowers with 640+ FICO score
- LTP up to 75% for purchase (25%+ down)
- LTV up to 65% for refinance or cash out
Scenarios Not Considered
- Owner-Occupied Homes
- Junior Liens / 2nd Mortgages
- Rehab Fix & Flip Loans
- Ground-Up Construction Loans
- 100% Financing
- Land or Special-Use Properties
- Commercial Real Estate
- Borrowers with Low Credit Score
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Property Types
- 2-4 Units Residential
- Condominium
- Mixed-Use
- Multifamily
- Single Family Residence
Specialty Loan Types
- Vacation Rental
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 $1,000,000.
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
Bridge Loans for SoCal Residential & Multifamily Property Investors
Cityscape Finance LLC is a direct balance sheet private lending firm that offers short-term bridge loans to real estate investors in Southern California. 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.
- Lending throughout Southern California
- Standard Bridge loans only (NO rehab or construction projects)
- Max Refinance LTV: 65%
- Max Purchase LTV: 75% (25% cash down payment required)
- Minimum FICO Score: 640
- Property Types: Single Family Homes, Condos, Multifamily (up to 30 Units), Mixed-Use with majority multifamily
Please note: We do NOT consider land, owner-occupied home and rehab/construction projects.
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.
Cityscape Finance, LLC’s Lending Activity
Data Provided By Elementix
12mo Loan Volume
$80,503,836
12mo Loan Count
19
Total Loan Volume
$182,363,781
Average Loan Size
$663,141
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 at scale while leveraging technology in a way that most other private lending firms cannot.
Hailing from the Dhir family, Amit and Vikas, a successful healthcare tech entrepreneurs, sold their venture in 2018. Since then, they began investinf in the RTL space, directing investments through brokers. On the other side, Shaurya, a proud University of Pennsylvania alumnus, carved a niche with his B-to-C technology venture, Teleparty, which boasts of over 20 million users. With the Jain family’s legacy in the medical field and their adeptness in first trust deed investments since 2012, Shaurya represented a lineage of excellence and foresight.
Collectively, the families have seen over $300 million in first trust deed transactions on their balance sheet. Identifying gaps in technology and operations within the RTL domain, the Dhir and Jain families merged their visions. The outcome? Cityscape Finance, birthed in May 2022.
Cityscape Finance manages the American Private Lending Fund I, an open-ended private lending initiative backed by first trust deeds on real estate.
Cityscape is 100% focused on lending in Southern California: Los Angeles, Orange County, San Diego and the Inland Empire.
Office Locations
Cityscape Finance, LLC Testimonials
Speed
Olympia Financial
Los Angeles, CA
"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"
White Label Program and Quick Approval Process
Darren
Los Angeles, CA
"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."
Competitive Rates and Wide Product Range
Adam
Sacramento, CA
""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"
Our minimum loan amount is $350,000