About Brick City Capital | DSCR Lending Experts

origin story

Built in Newark. Designed by Brokers. Built for Closers.

We started Brick City Capital in Newark, NJ with one goal: to fund real estate deals faster and better than anyone else. As investors and brokers ourselves, we got tired of lenders overpromising and underdelivering. So we built a better way.

Today, we’re a national DSCR lender with a reputation for speed, service, and execution. Our capital structure gives us flexibility most lenders don’t have. Our team gives you clarity most lenders can’t match. And our deals get done—when others stall out.

why brick city capital

We don't talk about loans. We close them.

We fund investment property loans with purpose. No red tape. No gatekeeping. No unnecessary paperwork. Just a smart, fast process that’s designed for one thing: closing your deal.

1,000+

loans funded

For new investors and experienced operators alike

$800M+

Funded Nationwide

We’re licensed across the U.S. and ready to move

80%+

Close Rate

If we quote it, we close it

what makes us different

What makes us different?

We fund investment property loans with purpose. No red tape. No gatekeeping. No unnecessary paperwork. Just a smart, fast process that’s designed for one thing: closing your deal.

Multiple loan buyers

We aren’t boxed into one capital source.

Real underwriting

We find and fix the deal-killers up front.

1 point of contact

Dedicated expert start-to-finish

Brokers welcome

No license required. Get paid when we close.

Fast decisions

Same-day term sheets

founder story

Founder-led. Deal-tested.

Eric Panecki

Meet founder Eric Panecki — an experienced operator and investor who brings a deep understanding of DSCR lending, market realities, and the speed needed to win in today’s environment. Eric leads execution, oversees underwriting, and ensures every borrower gets white glove treatment from day one.

David Choi

Alongside Eric is partner David Choi. Before starting Brick City Capital and Leverage Companies, David managed over $2B in real estate and private equity assets. He’s personally touched thousands of transactions, and built this company to do what the others don’t: solve problems and get to the closing table.

When you work with Brick City Capital, you’re working with a team that’s operated at every level of the industry. We know what matters, and we know how to get it done.

Our headquarters

50 Park Place, Suite 301 Newark, NJ 07102

Contact

(973) 705-7725

sales@brkcty.com

Products

Single-Family Rental

Single-Family Portfolios

Short-Term Rentals

Non-Warrantable Condos

Multi-Family

Mixed-Use

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