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Local Southern California experts offering common-sense underwriting and quick closings

Loan Size

$150,000 to $2,000,000

Key Features

Up to 85% CLTV for properties with excellent Beach Proximity (Orange County Only)

Up to 80% CLTV for properties with Great Locations and Curb Appeal in Southern California

Quick Close

Competitive Interest Rate

Low Origination Fee for Brokers

Eligibility Requirements

Minimum FICO 640

Minimum DSCR of 1.15

No W2 Employment Verification

Appraisals ordered by Cityscape Finance

No Previous Real Estate Experience Needed

Purchase Financing

Up to 75% CLTV for refinancing properties with excellent Beach Proximity (Orange County Only)

Up to 65% CLTV for refinancing properties with Great Locations and Curb Appeal in Southern California

Refinance Options

Up to 70% CLTV for properties with excellent Beach Proximity (Orange County Only)

Up to 60% CLTV for properties with Great Locations and Curb Appeal in Southern California

Cash-Out Refinance

Up to 70% CLTV for properties with excellent Beach Proximity (Orange County Only)

Up to 60% CLTV for properties with Great Locations and Curb Appeal in Southern California

Special Benefits

Interest-only payments available.

Higher leverage options, if applicable.

No escrow hold-backs* on cash-out refinance.

True business purpose loans—strictly no consumer loans.

Lending across all of Southern California (suburban, urban, metro—no rural areas).

Suitable for residential 1-4 units, multi-family, and mixed-use properties.

Testimonials

  • Cityscape Finance is my go-to lender for every deal I close. Their speed in closing is unmatched, allowing my clients to move forward without delays. I’ve worked with many lenders, but none compare to the efficiency and reliability of Cityscape. They consistently exceed expectations, making my job easier and my clients happier.

    Jeffery, Real Estate Broker

  • What sets Cityscape Finance apart is their incredible rates and the streamlined process they offer. My clients have saved thousands thanks to their competitive rates, and the entire process from application to closing is smooth and hassle-free. Cityscape Finance is the best in the business, hands down!

    Lisa, Real Estate Broker

  • As a borrower, I couldn’t be more satisfied with my experience at Cityscape Finance. The loan officers were incredibly friendly and walked me through every step of the process. They made what could have been a stressful experience into something easy and manageable. I highly recommend Cityscape Finance to anyone looking for a seamless lending experience.

    Daniel, Borrowe

The Evolution of Real Estate Risks : Real estate investment field in 2006 to encounter concerns including interest rate rising along with competitive property acquisition and early warning signs of an approaching market-shifting financial collapse. A fresh challenge arose for investors when the crisis ended because securing financing became the new obstacle. The severe banking industry losses led financial institutions to become excessively cautious about lending money especially toward experienced investors.

March 24, 2025

Inflation quietly diminishes the value of money over time, making everyday expenses more costly and shrinking the real worth of savings. For high earners and business owners, this isn’t just about higher grocery bills—it’s about safeguarding their wealth from erosion, even when it’s invested in traditional financial vehicles like bonds or certificates of deposit (CDs).

March 14, 2025

The current real estate market has led to unexpected homeowners taking on landlord roles through unwilling arrangement. Experts in real estate investment normally recommend holding onto properties contrary to the practice of selling them. Homeowners turn into landlords against their own will in certain situations. The Sunbelt region leads an essential market change because corporate RTO rules reverse the long-term work-from-home dreams of many employees.

March 11, 2025

Financial experts have utilized the combination of 60% stocks and 40% bonds in a portfolio model since the decade of the 1960s. Financial experts adopted this portfolio management approach through Modern Portfolio Theory which Harry Markowitz introduced during the 1950s.

February 28, 2025

The process of property rental must provide stress-free service which enables homeowners to connect immediately with potential tenants. Single-family homes as well as condos and various residential properties benefit from changes in property management through online rental listings platforms.

February 24, 2025

Homeownership seems achievable to you and also to your college graduate children or their parents who are now adults. Good news: It absolutely is! Recent graduates face a tougher task compared to established homeowners in their mortgage approval process yet they still remain eligible to enter the home ownership market. Through appropriate financial strategies you will build up your finances to effectively use real estate as an instrument for accumulating long-lasting wealth.

February 18, 2025

Recent changes in the real estate industry favor new rental properties as investors choose them for their properties. Paying for maintenance and insurance and confronting rising material prices makes older properties heavy financial burdens on investors. Modern residential properties produced with energy efficiency in mind demand less maintenance while gaining easier tenant attraction and generate superior long-term investments for property owners.

February 13, 2025

The house market underwent a transformation according to Realtor.com because sellers decided to list their properties in increasing numbers. The housing sector experienced its highest percentage growth of new listings in December that year when new listings rose by 6.1% compared to the prior year.

January 31, 2025

This past pair of years brought elevated materials along with labor prices that reduced homebuilding profitability for numerous construction firms. The rising construction prices alongside market changes have transformed homebuilding into an expensive process.

January 29, 2025

As the clock strikes 9:The tranquil atmosphere that usually greets Saturday nights at the Encino Reservoir does not exist at 30 p.m. on January 11. Tanker 47 operates with precision as its Chinook helicopter retrofitted for firefightingtasks control functions above the shimmering water. The Palisades Fire meets head-on resistance from Chinook helicopter pilot Darren Davies and his crewfighting for control within California's borders.

January 27, 2025

The devastating wildfires in Los Angeles have underscored a critical truth: Though wildfires often occur erratically homeowners can effectively protect their properties using established risk reduction techniques. Putting protection systems in during your home's building phase enhances property security.

January 21, 2025

Timing and flexible can be crucial in the swift moving field of real estate sales. Bridge loans are an attractive option for those that have a need for short-term funds to leverage an opportunity or get around an obstacle. Now let us discuss the primary areas of efficiency, that outlines the main role and inestimable importance of bridge loans.

January 13, 2025

Just as it is to run a hotel, STR business means more than making certain that guests are informed of their rights to a hassle-free stay. It has to be done with a lot of financial sanity. In addition to its variances in revenues, seasonal and fixed expenses make the management of cash flow a difficult task.

January 10, 2025

What’s next for inflation? What changes might take place in interest rates within the following one year period?

December 30, 2024

The day-to-day running of an effective STR company, to say nothing of one with multiple properties, is an activity similar to a practical joke – it is all keeping various balls in the air. From responding to guests’ questions, organizing cleaning services, changing prices and managing all the finances, it may become a huge mess.

December 12, 2024

There is always a key focus on diversification – spreading of assets in the markets, operators, and asset types. However, what if all forms of investments in the so called ‘third world country’ is in terms of equity? However, as geo-tailored and operator-diverse, too, your business might be exposed to inflation and increasing interest rates.

December 3, 2024

Real estate investment can also hold great profit margin and minimal risks when compared to other forms of business. That way it does take a bit of brilliance Nonetheless the principle of investment clubs mean that you can gain access to the knowledge and experience of others immediately.

November 25, 2024

This paper explains that the future of the housing 2025 market is characterized by signals that are hard to decode, challenges that are nearly impossible to overcome, and opportunities that are quite difficult to seize. So, let me guide you through some key figures influencing the housing market now is the time to turn to the main trends.

November 19, 2024

If you are in a position to have an additional room that is not a dumping ground for items that aren’t used, then you stand a chance to increase your revenue. For instance while you may be uncomfortable with a roommate sampling foods from your refrigerator the potential of receiving pocket change can indeed overshadow any such experience. Here learn how to turn that idle area into a source of constant income.

November 14, 2024

Poor accounting kills the Little Business and Real Estate Investors go About Losing Thousands of Dollars. Real estate is a wonderful opportunity to create value during the process of an individual life and make money. However, even experienced investors can fall victim to a common yet often overlooked problem: poor bookkeeping. Inaccurate records can most certainly undermine your revenue as well as your assets. You may think it’s okay to quickly scribble down the details of the deal on a napkin or put receipts in the car but these habits are catastrophic when organization is required most.

November 8, 2024

As the US approaches the election year some of the potential buyers seem to hold back their demand to purchase a home unsure of who will be making fiscal decisions for the US next. However, there is some question as to whether this is really accurate – that election nerves are being reflected in the data in this way at all? I suggest now we look at what might be actually going on.

November 4, 2024

Growing a real estate portfolio is exciting though it can be a rollercoaster most of the time. Many financial tasks can just slip off our radar and suddenly we get a nasty surprise from an accountant because the idea of expense notes on a napkin is no longer good enough.

October 30, 2024

In its essence, this piece cautions real estate investors not to be obsessed with closing deals at the last quarter of the year but instead should reflect on the best tax tips. You see, there are ways you can minimize your taxes to levels that you wouldn’t mind paying and in this way, invest the remaining money towards your portfolio. Below are the most important activities that need to be undertaken before the end of December-mainly tax strategies.

October 24, 2024

In truth, millions of older people do not have one million dollars in their personal savings. It’s significantly less for the actual majority: currently, the average 65-74-year-old has only around $609,230 saved .

October 17, 2024

In fact, most standard homeowner’s insurance does not consider such properties as the home is let out through platforms such as Airbnb. Additional insurance required may include short term rental insurance or even landlord insurance.

October 9, 2024

Entering the middle of the year 2024 it becomes critical to evaluate the current state of the United States real estate market. This source is useful for gaining the current figures as well as important tendencies on the home sales, their stock and the prices.

July 30, 2024

Analyzing the Future of the Mortgage Market: Speaking of major findings, potential recommendations, likely accomplishments for the work, and conditions conducive to future performance of the work are important considerations.

July 26, 2024

The sales and new listings of houses have been tapering off, while the prices of houses have also started to slow down. While these indicators show bearish trends, there has been recent good inflation data which has boosted bond market and mortgage rates are below 7% for the first time in a long time. This raises the question: have we gone beyond the highs of mortgage rates and what does this mean for the housing industry? It is time to take a closer look at the newest information available to get the current picture of the market situation.

July 16, 2024

The problem of housing affordability is still relevant in the United States, and the situation differs vastly depending on the metropolitan area. The current statistics show that a meager number of non-homeowner families are capable of buying a house that is priced moderately in the respective markets. This analysis looks at the factors and inequalities that have an impact on the availability of affordable housing in different regions.

July 10, 2024

Read this ultimate guide to home buying. Discover how to check your financial standing, apply for preapproval of a mortgage, what you need in a home, and how to go about searching for properties.

July 10, 2024

Have you thought about a fix and flip project?Find out why it is crucial to know the risks and difficulties of this business, the fix and flip business. Find out why it is not such a clever idea to jump right into this apparently highly profitable investment.

July 10, 2024

Learn the new techniques of investing in the hospitality real estate. Understand how to use market conditions, property purchase and sale approaches, value creation possibilities, funding options, and appropriate disposition strategies to enhance the investment returns.

July 9, 2024

Learn more about the state of the investment in senior housing. Discover the ways of analyzing market conditions, selecting the right properties, adding value to the properties, securing the funding and choosing the right time to sell or refinance.

July 9, 2024

The real estate market is not standing still and changes as we progress through 2024, and this is in relation to the overall economy, variations across the regions, and fluctuations in the market. This full review includes the current news, statistics, and information about various types of real estate markets.

July 8, 2024

Learn about the tactics of investing in the mixed-used properties and how to make a successful investment. Understand how to use market cycles, property buying techniques, value creation strategies, financing strategies, and exit strategies to create the most value.

July 3, 2024

Find out how to invest in student accommodation and go beyond the basic approaches. Understand how to use market conditions, acquisition of properties, value addition opportunities, funding tactics and the best time to dispose off the property in order to increase returns.

July 3, 2024

Learn strategies on how to invest in medical office buildings (MOBs). Understand how to position yourself within the market, how to acquire properties, ways to add value, how to finance, and when and how to exit the investment.

June 28, 2024

Learn about the modern techniques of investing in a portfolio of single family houses. Discover ways to tactically manage markets, property buying and selling techniques, ways to add value, approaches to funding and most importantly techniques for exiting the market for the best returns.

June 28, 2024

For sophisticated funds, investing in data center real estate is considered an extraordinary and profit-generating idea consistent with the exponential growth of digital information and cloud solutions. Having innovative market detailed strategies, operational and investing tactics, this guide covers all aspects of maximizing investment in data centers.

June 27, 2024

The properties of self-storage units make them perfect for experienced investors seeking to expand their companies and increase profitability of their investment. It presents information on advanced approaches and market analysis procedures and day-to-day operational techniques for achieving the maximum returns on self-storage investments.

June 27, 2024

For the more experienced investors who have been involved in several industrial warehouse transactions, there is a lot more that can be done to value add and increase returns. In this article, you will learn the basics of industrial real estate, trends and statistics to enable you make informed decisions.

June 27, 2024

Value-add multifamily investments are considered as a highly profitable and rather complicated strategy for investors with at least 20 closed deals, which can also be useful for enhancing the overall performance of the portfolio. This guide provides a practical approach to unlocking the value in multifamily properties through targeted improvements and operational excellence.

June 21, 2024

It is important to note that rental properties can be an investment that can be used to generate passive income to create wealth in the future. To help you know that you are on the right track towards investment in rental homes and properties, the following steps are outlined.

June 21, 2024

House flipping is a very profitable business, but it requires a lot of accuracy and proper decision making. This step by step guide provides a clear roadmap that will help an investor flip a house without any hitches. House flipping refers to the process of purchasing a property, making some repairs on it, and then selling it at a higher price. This process involves strategic planning, market analysis as well as efficient project management to enhance profitability.

June 20, 2024

In fact is quite easy to understand what DSCR loans all depends on one’s ability to comprehend the basics of the loans. DSCR loans are specialized tools utilized in the purchase of properties that produce income with more emphasis on the income yielded by the property in question than on the borrower’s income. This is quite similar to engaging in business like running a lemonade stand and requiring a loan – the lenders use the sales realized by your stand to determine repayment capacity. In this guide we will explain how DSCR loans operate, their strengths, weaknesses, and the best DSCR to achieve. Well, let’s go deep into the matter and try to make some sense of DSCR loans now!

June 18, 2024

For the year 2024, it is crucial to understand the current trends in the real estate market to know what to expect, the projected prices, and the factors that affect the affordability of a home. This extensive guide is useful in offering the latest market trends, future outlook, and important tips that home buyers need to know in this market.

June 17, 2024

Investing in rental properties can be a lucrative way to build wealth, but it's essential to understand the numbers behind the investment to ensure you're making a sound decision. This comprehensive guide delves into the key factors to consider, such as taxes, management fees, renovation, and maintenance costs. Through a detailed example, we’ll walk you through the calculations necessary for evaluating a great rental property investment. By the end, you'll be equipped with the knowledge to make informed and profitable real estate decisions.

June 11, 2024

1031 exchange is a valuable option for the real estate investors to reduce their capital gains taxes by reinvesting the sale proceeds in a new property of the same kind. However, there are some other principles that are not so obvious, for instance, the principle that the new property should be of at least the same value as the old one, the 45-day and 180-day identification and closing periods, etc.

May 30, 2024

Real estate acquisitions are always accompanied by property inspections that are very important. They give a clean uncompromised picture of the state of property they show areas which may not be apparent when doing a physical inspection. It enables investors to come up with a sound investment, where most or all the risks likely to be encountered are considerably reduced in the future.

May 29, 2024

Zoning restrictions, licensing requirements, permit hurdles, financing, and competitors are a few of the challenges that the real estate faces especially in the fix and flip business segment while first impression counts a lot. This is a crucial element that requires a combination of creativity and business acumen as the goal is to ensure that different pieces are arranged and positioned in order to make the best impression on potential clientele. When it comes to staging, it can be understood as not only enhancing beauty, value and prospect of the property but also creating attractiveness to the potential buyers.

May 29, 2024

The most common things that come to mind of many people when thinking of real estate investments are being a landlord, managing short-term holiday lets, or ‘flipping’ houses. Houses, as an example, are bought by investors, renovated, and then sold or put up for use as residential premises. However, there is another method of making money in the industry, and it is not connected with selling rent or buyers. While active real estate investment requires more direct commitment, private money lending provides an option with the potential to receive an extraordinary ROI.

May 28, 2024

Real estate investing is more than purchasing and owning properties; it also encompasses analysis of several performance indicators for good investment. This blog is designed to tell the reader what financial indicators every investor should follow, as well as giving additional explanations and examples with the calculation of such indicators.

May 28, 2024

Before opting for purchasing a rental house or a primary house, there are some basic differences one must borrow about. All categories of the property play specific roles, have different methods of funding, legal consequences with regards to the taxes, and haven’t the same duties regarding the maintenance. As this paper found, this guide is beneficial because it will ensure that potential buyers have made correct decisions to fit their personality and pocket.

May 28, 2024

Their pros and cons have become hot-button issues and frequently puzzled present-day investors as a result of the fast advances in developments related to short-term letting. Over the course of many years experience investing in STR properties and COO of a non-qualified mortgage lender across the country, this management strategy is not without its obstacles and their corresponding positives. Issues such as investors who decided to fund their real estate deals at the last minute and struggling to do so because lenders who barely understand the STR loan, have turned down their funding requests. As it will be shown in this guide, aspiring and seasoned investors can arm themselves with the knowledge to effectively finance their short-term rental properties.

May 28, 2024

The fickle nature of the real estate business cannot be overemphasized and thus to make wise investments on new projects one has to ensure that they stay abreast with the developing market trends. In this article, we seek to examine the social, political, and economic trends to understand how the market of real estates will look like in 2023. This blog explores a major theme central to the market: changes in interest rates with references to changes in local demand that are discussed in detail and main opportunities for intelligent investors.

May 28, 2024

Are you ready to invest in the real estate market but overwhelmed with routine financial devices?Fear not!There are many fascinating and original approaches that are available when it comes to buying properties that would create the investment vehicle that you desire to have. Here in our extensive article of real estate investment tips, we’ll present you a wide range of approaches that deals with the definite way to finance, mysterious property kind, and many more tips that are helpful.

May 22, 2024

Hey there You are welcome to the fascinating world of real estate investment. I am excited to have you come along with me to this building today. Being a veteran investor who has probably made every mistake in the book, I have learned some priceless lessons which I would be glad to disclose to you. Today we will cover 10 thumb rules – the basics that have been my beacon through many successful fixes and flips. Follow these rules and you will be able to make a property analysis rather quickly and in this way spare your time and money for the future. Thus, let’s start! 

May 21, 2024

Real estate investing is a great way to build wealth, but it takes money to make money. However, thats only possible if you get the best investment property financing. While there are many ways to finance real estate investments, not all will be a good fit for every investor.

May 2, 2024

Anyone in the real estate market is aware of the upcoming recession. The Federal Reserve is working to rein in inflation. In fact, it raised interest rates by 0.75%. With increased interest rates and inflation, few people will be spending money investing in real estate.

May 2, 2024

Real estate can be incredibly lucrative. However, most investors wont cash in on their properties until they are ready to sell. Real estate is an investment with long-term returns. Even though real estate has long-term returns, purchasing property is not cheap.

May 2, 2024

Home flipping is one of the most popular ways of making money in the real estate market. In 2021, homes flipped in the US generated a gross profit of $65,000 compared to $61,000 in the second and third quarter of 2020. During this period, over 323,465 homes were flipped.

May 2, 2024

A handful of financial experts and economists predict the US is going into recession in 2022/23. More than 70% of economists believe a recession is about to hit. Over the past few months, the Federal Reserve made efforts to slow down the economy via two interest rate hikes.

May 2, 2024

Interested in real estate investing? Well, if you’ve no idea where to get started, then you’ve come to the right place. In this post, we offer ten simple steps for investing in real estate in a beginner-friendly set of strategies, advice, and tips. No matter your experience level, research is a must.

May 2, 2024

In 2021, the number of home flips rose from 257,091 to 334,000 homes, a 26% increase from 2020. This is thanks to the increasing cost of houses which was like catnip to flippers who capitalized on the demand. This resulted in the highest number of single-family home flips since 2006.

May 2, 2024

Looking for a loan to fix your flip and sell it for a property? Short-term loans for flipping houses are easy to come by. In fact, you can obtain financing with fewer restrictions than traditional loans. We are talking about fix and flip loans, financing designed to fund your flipping business.

May 2, 2024

TV reality shows have made house flipping seem easy and economically sexy. All you need to do is find an undervalued property, make cosmetic fixes, sell it and make a profit, right? Well, in reality, several things can go wrong leading to failure. This happens when real estate investors and house flippers make mistakes.

May 2, 2024

How do I choose a lender for a fix and flip loan? How do I decide where to get a fix and flip loan? What qualities make a good lender for fix and flip loans? Many people interested in the flipping business often ask these questions and more. Finding the right lender for a fix and flip loan is more than just securing quick financing.

May 2, 2024

Despite the looming recession and rising inflation, real estate remains a profitable investment. In 2021, home prices rose due to the work-from-home economy. This forced many people to move out of high-cost neighborhoods and start working remotely. Many predict that this trend will continue for several years.

May 2, 2024

Are you new to the flipping business and in search of funding for flipping houses? TV reality shows make flipping houses look fun because all you’ve to do is buy a distressed home, renovate it then sell the property for value.

May 2, 2024

Buying a rental property can be a great investment, but it’s important to consider factors before making the decision. Here are some steps to consider when buying your first successful rental property.

May 2, 2024

In 2021, home flipping hit a 15-year high since 2005 when the average gross flipping profit reached $66,300 above the median purchase price. This is despite the pandemic and lockdown measures in 2020.

May 2, 2024

What is the best way to finance investment property? How do I get my first investment property money? Over the past few years, home prices have been rising. With mortgage rates rising, its difficult for real estate investors to finance investments.

May 2, 2024

Discover smart tactics for flipping houses without dipping into your own pockets. From leveraging OPM to exploring wholesaling and lease options, uncover diverse strategies to fund your flips creatively. Navigate risks with expert tips and elevate your house flipping success to new heights!

May 2, 2024

Maximize your real estate investment returns in 2024 with targeted renovations in crucial areas of your property. This blog explores essential updates for the kitchen, bathroom, and living spaces, designed to enhance appeal and functionality, ensuring your property stands out in a competitive market. Whether selling or renting, these strategic improvements can significantly boost your property's value and attractiveness.

May 2, 2024

Are you thinking about diving into the exciting world of fixer-upper investing? As a first-time investor, you might be feeling a mix of excitement and apprehension, and that is totally normal. Trust me, I've been there! While fixer-upper investments can be incredibly rewarding, they also come with their fair share of challenges. But don't worry, I'm here to help you navigate those challenges and set you up for success.

May 2, 2024

Hello fellow real estate investors! For the people who are in the fixer-upper game, once they realize that you have to get financing for the next deal, they should be ready to encounter the challenges as the market conditions changes time to time. This blog will help you understand the current market situation, identify your roadblocks preventing you from getting financing and provide some strategies that could come in handy as of April, 2024.

May 2, 2024

Dive into the heart of real estate investment strategy with our blog. The Importance of location in Real Estate Investment. Data-driven Investment Approach. Find out the factors that play a vital rolein terms of location (economic vitality and regulatory landscape). Case studies and examples will bereviewed to take a closer look at the role of location in investment success.

May 2, 2024

The commercial real estate sector is facing a major transition and private credit is anticipated to be the dominant force in the future. In post-pandemic world, the industry is still adapting to new economic realities and changes in corporate strategies in relation office space.

May 2, 2024
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