Deal funded
$945k 4-Unit Purchase in Los Angeles
Complex capital in a tight escrow window
timeline
15 Days
ASSET TYPE
4-Unit
LOAN AMOUNT
$945,000
prepay
3 Years
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.
"Most lenders would have re-underwritten this deal the moment they saw the operating agreement. We treated the structure as a solvable"
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:
"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."
Our team specializes in complex entity structures and tight timelines.
To meet the 15-day timeline, the file was advanced in parallel — not sequentially.
DAY 1
Underwrote stabilized market rents vs. partial in-place leases.
DAY 2-5
Title work, insurance review, and entity documentation processed simultaneously.
DAY 6
DAY 15
Terms held from intake to closing. No last minute changes.
FINAL STRUCTURE
Our headquarters
50 Park Place, Suite 301
Newark, NJ 07102
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