City Lights , LLC Nationwide Direct Private Lender Refinance Ground Up
- No Tax / Low Doc
- FixNFlip
- Rental Loan Bridge Portfolio Loans
- For Down Payment Assistance, Apply Here
Apply For Financing
Apply For Financing For Residential Investment Properties
Feel free to message us here during normal business hours if you have any questions.
Please answer all questions and keep a look out for an email to begin your application process. In order to receive your POF Letter, please complete the entire application.
Thank you for contacting me for your next real estate investment loan. You can message me directly on the message tab lower right hand side below for our optional Business Loan and Transactional Funding.
Thank you,
Solona Murphy
Download The Application:
Rehab Fix & Flip Loan
30 year Rental Loan
Bridge Loan
Transactional Funding
New Construction
Residential Portfolios
NON- OWNER OCCUPIED RESIDENTIAL INVESTMENT PROPERTIES ONLY
Email your application below
Loan Application (pdf)
DownloadPDF Loan Applications
Submit Your Completed Loan Applications.
For Investment Properties Only
Refinance Cash Out Up To 80% LTV
- Non-owner occupied only
- 680 score
- Cross-collateralization option for multiple properties
- 30 Year Term
- Loan amounts from $100K to $25 Million
- No prepay penalty on one year term
- SFR, 1-4 units, condos, townhomes
Portfolios
New Construction
FixnFlip 100% Rehab Funds
Refinance Cash Out
Long Term Rental Loans
BPO Investor’s Analysis
BRRRR is for buy, rehab, rent, refinance & repeat, and is a popular Multiple Exit strategy for your Realestate Investment Valuation before you apply. This will give a valuation before you make an off on the property. Please add the address in the notes section of the invoice and message us below with any question after you have made the payment for your report. We will email the report directly to you within 48 hours. Commercial property reports may take up to 7 business days.
Business Loans Low Doc
We Buy Notes
Sell Your Note
We love our customers, so feel free to call or message during normal business hours.
We buy and sell performing and non-performing assets.
If you have a note and would like to sell, message us directly.
City Lights Llc Investments
SELLER FINANCING
Do you have investment properties and need help with Seller Financing options?
We can Help you turn your properties into profitable performing assets.
Incorporate Your Business
City Lights , Llc
Making & Meeting Goals
Building Strong Futures
Building Strong Futures
We start by documenting your goals and then compare them to your current portfolio. We use proven investment strategies designed to meet your risk tolerance and stand up against market volatility. And you can count on unbiased recommendations and impartial guidance based directly on your needs and goals.
Commercial Realestate Investments and Private financing for Non-Owner Occupied properties. REO and Foreclosure.
Building Strong Futures
Building Strong Futures
Building Strong Futures
We are passionate about helping both companies and individuals with diversifying portfolios, managing assets, analyzing market trends, and reducing financial risk. The goal? To safeguard the dreams you strived to achieve and the assets you have worked so hard to accumulate. We use proven investment strategies designed to meet your risk tolerance and hedge against market volatility.
About US
Building Strong Futures
About US
Since 1999, we have been helping businesses and individuals safeguard their Realestate assets.
To our new investors.
Private commercial lending refers to the process of providing financing to businesses by private individuals, investors, or non-bank financial institutions. Unlike traditional bank loans, private commercial lending involves borrowing money from entities other than banks.
Here's how private commercial lending typically works:
1. Lenders: Private commercial lenders can be individuals, groups of investors, hedge funds, private equity firms, or specialized non-bank financial institutions. These lenders have surplus capital and are willing to provide loans to businesses in exchange for interest payments and potential returns on their investment.
2. Borrowers: The borrowers in private commercial lending are typically businesses seeking funding for various purposes such as expanding operations, purchasing equipment, funding working capital, or acquiring real estate. Borrowers may include small and medium-sized enterprises (SMEs), startups, real estate developers, or companies with specific financing needs.
3. Loan Terms: Private commercial loans can have different terms compared to traditional bank loans. The terms and conditions are negotiated between the lender and the borrower, providing flexibility in structuring the loan. The interest rates, repayment schedules, collateral requirements, and loan amounts can vary based on the risk profile of the borrower and the preferences of the lender.
4. Collateral: Private commercial lenders often require collateral to secure the loan. Collateral can be in the form of real estate, equipment, inventory, accounts receivable, or other valuable assets owned by the business or its owners. Collateral provides security to the lender in case the borrower defaults on the loan.
5. Risk Assessment: Private commercial lenders assess the creditworthiness and risk profile of borrowers before approving a loan. They evaluate factors such as the borrower's financial statements, credit history, business plan, industry outlook, and the purpose of the loan. Since private commercial lenders have more flexibility compared to banks, they may be willing to take on higher-risk borrowers or consider alternative metrics beyond traditional credit scores.
6. Interest Rates and Fees: Private commercial loans typically come with higher interest rates compared to bank loans. This is because private lenders assume higher risks and may not have access to the lower borrowing costs enjoyed by banks. Additionally, private lenders may charge origination fees and other associated costs to compensate for their services.
7. Funding Process: Private commercial lending usually involves a streamlined and faster funding process compared to traditional bank loans. Private lenders can make lending decisions more quickly, and the loan approval process may require less paperwork. This makes private commercial lending an attractive option for businesses that require immediate financing.
Private commercial lending can provide an alternative source of funding for businesses that may not qualify for traditional bank financing or need more flexibility in loan terms. However, it's essential for borrowers to carefully evaluate the terms, costs, and risks associated with private commercial loans before entering into an agreement.
If you have questions regarding your appraisals, please contact the appraiser.
Contact Us
Click The Link Below To Schedule A Call Or Meeting
Contact Us, tell us more about your Realestate investment goals and we will get back to you soon to schedule a call.
Click here to schedule a call or meeting
City Lights , Llc
11 E Main Street , St. Charles, IL 60174
630-827-8780 City Lights , Llc (Orem Utah,)
Hours
Monday - Friday: 9am - 5pm
Saturday: By appointment
( Remotely Only )
Sunday: Closed
Thank you for considering us for your next real estate investment loan. You may also message me directly using the message tab below.
Thank You,
Solona Murphy
Privacy Policy
Privacy Policy for Private Lending Company
City Lights , Llc is committed to protecting the privacy and security of your personal information. This Privacy Policy outlines the types of personal information we collect, how we use it, with whom we share it, and the choices available to you regarding our use of the information. Please read this Privacy Policy carefully to understand our practices regarding your personal information.
Information We Collect
City Lights , Llc may collect the following types of personal information from you:
1. Personal information such as your name, address, email address, telephone number, and other contact details.
2. Financial information such as bank account details, credit history, income, and other related financial information.
3. Information provided in your loan application, including employment details, assets, and liabilities.
4. Information about your transactions with us, our affiliates, or others, such as loan balances, payment history, and account activity.
How We Use Your Information
We may use the personal information we collect for the following purposes:
1. To process and manage your loan application and account.
2. To verify your identity and assess your creditworthiness.
3. To communicate with you about your loan and related products and services.
4. To comply with legal and regulatory requirements.
Sharing of Information
We may share your personal information with the following entities:
1. Service Providers: We may disclose your information to service providers who assist us in providing our products and services, such as credit bureaus, collection agencies, and legal counsel.
2. Affiliates: We may share your information with our affiliates for business purposes.
3. Legal Compliance: We may share your information in response to a subpoena, court order, or other legal process.
Your Choices
You have the following choices regarding the use of your personal information:
1. Opt-Out: You may opt-out of receiving marketing communications from us.
2. Access and Correction: You may request access to, or correction of, your personal information.
Security
We maintain physical, electronic, and procedural safeguards to protect your personal information. We restrict access to your personal information to employees who need to know that information to provide products or services to you.
Changes to this Privacy Policy
We reserve the right to modify this Privacy Policy at any time. We will post the revised policy on our website with an updated effective date.
Contact Us
If you have any questions or concerns about our Privacy Policy, please contact us at info@citylightsllc.org
Member of BBB
We're Hiring!
Join Our Team
If you're interested in becoming a Private Commercial Broker or Referral Broker. Start by applying here and attaching your resume.
Subscribe
Sign up to hear about sales, seminars, and classes and off market deals.
Copyright © 2025 City Lights Llc Investments - All Rights Reserved.
- Home
- Get Prequalified
- Private Lending Explained
- Skip Tracing 7 Days Free
- BPO Analysis Reports
- Down Payment Loan
- Business Term Loan & Line
- Working Capital
- Business Loans No Doc
- Websites from $19
- New Website & Domain
- Off Market Properties
- Book A Call or Zoom
- 3 Score Credit Monitoring
- Workflow CRM Software
- Business Bank Account
- Business Phone Line
- Search The MLS
- REO Field Services
- BPO Analysis
This website uses cookies.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.