Purchase
Refinance
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(973) 705-7725Up to $5M with asset-based qualification - no personal guarantee required*
Our Single-Family Residential DSCR Loans offer flexible, property-based financing for real estate investors. With fast approvals, adaptable terms, and nationwide reach, you can scale or refinance your portfolio with confidence.
Loans up to $5 million¹
Fixed-rate or interest-only options
Purchase and refinance programs
Traditional mortgages are built for homeowners, not investors. DSCR loans flip that model by focusing on your property’s income potential instead of tax returns or DTI ratios.
If your property pays for itself, you’re halfway there.
Choose long-term fixed rates for stability or interest-only terms to maximize cash flow.
Investors can’t afford to lose deals; we move in weeks, not months.
One loan partner for both single properties and multi-state portfolios.
"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: $75,000 – $5,000,000
Minimum DSCR: 1.0+ (varies by leverage and market)
Minimum credit score: 660 (lower considered with compensating factors)
Minimal Doc Requirement: Appraisal, current lease or rent roll, credit profile
Single-family homes, condos, townhomes, 2–4 unit properties, & portfolios
We evaluate deals the same way investors do: by asking, “does the property cash flow?”
We currently offer SFR DSCR loans in 46 states, and large metro areas nationwide — giving you a single partner as you scale across markets.
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 purchasing your next single-family rental or refinancing an existing property, Brick City Capital offers speed, flexibility, and certainty 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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