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Refinance
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(973) 705-7725Up to $5M with asset-based qualification — no personal guarantee required*
Our Non-Recourse DSCR Loans let you scale with confidence — leveraging your property’s cash flow, not personal income. Get flexible, asset-based financing designed for investors and entities seeking protection across their portfolios.
Loans up to $5 million¹
Fixed-rate or interest-only options
Purchase and refinance programs
Traditional loans often require personal guarantees that expose your assets. Our Non-Recourse DSCR Loans are built for investors seeking to separate business risk from personal liability — while keeping full flexibility and control.
Your liability is limited strictly to the collateral property.
Perfect for properties held in LLCs, corporations, or trusts.
Approval based on DSCR, not personal income.
Finance multiple properties across states with one lending partner.
"Their team are top notch. I’ve done multiple loans with them. Highly recommend."
-Matthew
Phillipsburg, NJ
"This company is AWESOME...great communication and such a quick closing. "
--Tracy
Cocoa Beach, FL
"Highly recommend Brick City Capital for all DSCR needs"
-John
Newark, NJ
"Highly recommend Brick City Capital for all DSCR needs"
-John
Newark, NJ
Loan size: $100,000 – $5,000,000
Minimum DSCR: 1.0+ (varies by leverage and market)
Minimum credit score: 680+ (exceptions considered for strong cash flow)
Eligible borrowers: LLCs, corporations, and trusts (no individuals required on note)
Eligible properties: Single-family rentals, multifamily (up to 10 units), mixed-use, and commercial
Non-recourse means your personal assets are protected — only the property stands behind the loan.
We currently offer Non-Recourse DSCR loans in 46 states with active programs in nearly every major U.S. market.
New York City, Boston, Philadelphia, Washington DC
Miami, Atlanta, Dallas, Houston, Charlotte
Chicago, Detroit, Minneapolis
Los Angeles, Phoenix, Denver, Seattle
Currently available in all states except: North Dakota, South Dakota, Vermont, Nevada.
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Tell us about the property and your strategy.
Get pre-qualified based on property income.
Choose between fixed-rate or interest-only structures.
Our average close time is measured in weeks, not months.
Whether you’re acquiring, refinancing, or repositioning an income-producing asset, Brick City Capital’s Non-Recourse DSCR Loans give you freedom, protection, and scalability that traditional banks can’t match.
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Our HeadQuarters
50 Park Place, Suite 301 Newark, NJ 07102
Contact
sales@brkcty.com
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Disclaimers:
Our headquarters
50 Park Place, Suite 301
Newark, NJ 07102
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