Deal funded

$945K 4-Unit Purchase in Los Angeles

Quick pricing. Clear terms. Closings without headaches.

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timeline

15 Days

ASSET TYPE

4-Unit

LOAN AMOUNT

$945,000

prepay

3 Years

The challenge

Complex Capital in a Tight Escrow Window

The borrower entered escrow on a renovated four-unit rental property in Los Angeles with a capital structure that immediately disqualified the deal at most lenders.

Instead of a single guarantor funding the equity, the down payment was sourced from more than a dozen limited partners, all participating under one operating agreement.

Why other lenders walked away

Brick City Capital specializes in DSCR financing for investors who value certainty.

Required seasoned funds across all contributors
Mandatory 90-day account histories
Restrictions on LLC member count
Requests to simplify or restructure ownership

"Most lenders would have re-underwritten this deal the moment they saw the operating agreement. We treated the structure as a solvable"

Jack Bergen

VP, Originations

strategy

Selecting the right DSCR program on day one

When the file reached Brick City Capital, the loan officers focused on program fit before pricing.

Instead of chasing the lowest theoretical rate, the team identified a DSCR structure that:

Accepted multi-member LLCs
Did not require seasoning
Could clear credit and title without retrade risk
Matched the borrower’s actual timeline

“There were cheaper structures available on paper, but they would never have survived committee. We priced the deal honestly from the start so intake terms and closing terms were identical.”

Jack Bergen

VP, Originations

Have a Deal Others Can't Structure?

Our team specializes in complex entity structures and tight timelines.

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how we executed

Parallel processing across every workstream

To meet the 15-day timeline, the file was advanced in parallel, not sequentially.

Day 1

Intake & Structure Selection

Underwrote stabilized market rents vs. partial in-place leases.

Day 2-5

Parallel Processing

Title work, insurance review, and entity documentation processed simultaneously.

Day 6

Appraisal Ordered

Day 15

Closed & Funded

Terms held from intake to closing. No last minute changes.

Meet the loan officer

"Most lenders would have re-underwritten this deal the moment they saw the operating agreement. We treated the structure as a solvable"

Jack Bergen

VP, Originations

Work with Jack

FINAL STRUCTURE

Loan Amount

$945,000

Term

30-Year Fixed

Prepayment

3-Year Stepdown

Our headquarters

50 Park Place, Suite 301 

Newark, NJ 07102

Contact

(973) 705-7725

sales@brkcty.com

assets

Single-Family Residential

Single-Family Portfolios

Short-Term Rentals

Non-Warrantable Condos

Multi-Family

Mixed-Use

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¹ All loans are for business purposes only and subject to Brick City Capital's underwriting, due diligence, and approval. Terms, amounts, and timelines may vary by borrower, property, and structure. Not all products are available in every date. Past results do not guarantee future outcomes.  
² Representative examples are for illustrative purposes only. Past closings are not a guarantee of future results. Actual closing timelines and amounts will vary by transaction and borrower qualifications.

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$945K 4-Unit Purchase in Los Angeles

Complex Capital in a Tight Escrow Window

Why other lenders walked away

Selecting the right DSCR program on day one

Have a Deal Others Can't Structure?

Parallel processing across every workstream

Intake & Structure Selection

Parallel Processing

Appraisal Ordered

Closed & Funded

Meet the loan officer

FINAL STRUCTURE

Ready to submit a deal?