Los Angeles County · Los Angeles, CA
LA is a higher-ticket market where the deal math turns on structure: value-add multifamily recaps, bridge on 1031 clocks, and 2–4 unit plays threaded through city-specific rent-stabilization rules. Coastal title and insurance cycles run slower than inland — the close-day forecast has to price that in, not discover it in week four.
Our edge here: We underwrite LA and city-of-LA rent stabilization (RSO) separately from LA County stock — the DSCR on a stabilized fourplex is a different loan than the same building two blocks outside the boundary.
Property and project review
These property categories reflect Los Angeles locations in our deal history. The right structure depends on the current property, sponsor and business plan. A reviewed scenario does not by itself represent a funded transaction.
Identify the property cash flow, sponsor equity and the event that repays the loan. Acquisition, refinance and repositioning scenarios need different support for value, timing and net proceeds.
Review lease cash flow together with the building’s functional use. Tenant improvements, access, utilities, condition and any environmental questions can affect the budget and exit.
Start with the actual lease, current property expenses and the proposed payment. A refinance also needs the existing payoff, seasoning and a clear use of proceeds.
Connect land basis, approvals, horizontal work and vertical construction to a funded schedule. The repayment plan needs its own budget for absorption, interest carry and the income required at takeout.
30-year fixed. No personal DTI. Closes on property cash flow.
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Up to 90% LTC. 75% ARV. 12-month terms.
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Underwritten on AirDNA revenue, not LTR shadow rents.
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5+ unit apartment buildings. Bridge, value-add, and long-term.
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Fast, flexible capital for time-sensitive acquisitions.
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Fund the build. Refinance into a DSCR on stabilization.
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