Reimagining Commercial Lending

By The Numbers

Our track record speaks to our commitment to investors and property performance.

What We Finance

We've built expertise across diverse property types and loan programs. Whatever your investment strategy, we likely have a solution.

How We Underwrite: The Property Comes First

Traditional lenders start with your personal tax returns, W-2s, and debt-to-income ratios — a process that can penalize the very investors who reinvest aggressively and write income down. We take the opposite approach. Our underwriting begins with the property itself.

For most of our programs, the central metric is the debt-service coverage ratio, or DSCR: the property’s rental or operating income measured against its debt payment. When a property generates enough cash flow to cover its own financing — starting from a 1.0 DSCR — it can qualify on its own merits. That means no tax returns and no W-2s in the typical file. Self-employed borrowers, full-time investors, and buyers with complex returns are evaluated on the same footing as anyone else.

We also weigh the asset, along with the borrower’s experience and credit, as part of a common-sense picture, with financing available from a 500 FICO minimum. Loans go up to 75% LTV, so you keep meaningful equity in the deal while still accessing the leverage you need. Because we set our own guidelines rather than forcing every file into a rigid box, we can say yes to sound deals that a bank checklist would reject on paper.

This property-first mindset also makes the process more transparent. Because the numbers that matter live in the deal, you know early what a property can support, what leverage is realistic, and what the path to closing looks like — without waiting on underwriters to reconcile years of personal returns.

The result is a faster, more predictable path to funding. Many of our loans close in under three weeks — capital that arrives in time to win competitive deals, meet a seller’s timeline, or refinance out of a short-term position on schedule.

A Nationwide Footprint, One Consistent Standard

Real estate is local, but capital shouldn’t be. New City Financiallends across 40+ states, so investors can build a geographically diversified portfolio without re-learning a new lender’s rules in every market. The same underwriting philosophy, the same programs, and the same responsive team follow you from one deal to the next — whether you are buying in a fast-growing Sunbelt metro or refinancing a building in an established Northeastern city.

Investors choose us for reasons that compound over time. Our property-first underwriting removes the income-documentation friction that slows conventional financing. Our loan sizes, from $75K to $50MM, scale from a first rental to a large commercial acquisition. Our closings, frequently in under three weeks, let clients act with the confidence of a cash buyer. And our transparent, relationship-driven process means you work with people who understand investment real estate and actually return your calls.

If you are comparing lenders, the difference shows up in the details: clear terms, honest guidance about what a property can support, and a team that treats your timeline as its own. We would rather earn the next deal than push a product that does not fit the one in front of us.

We are a commercial lending firm focused on business-purpose lending, not a consumer mortgage shop, and we do not originate primary-residence home loans. That specialization is a feature: it keeps our guidelines, our team, and our technology pointed squarely at the needs of investors and commercial owners. When your next opportunity appears, the goal is simple — reliable capital, clearly explained, delivered on your timeline.