This loan is a first deed of trust on a multifamily and single-family residence in Long Beach, CA. Long Beach, California, is a vibrant coastal city in Los Angeles County known for its mix of beachside charm and urban energy. Home to the busy Port of Long Beach, it offers major attractions like the Aquarium of the Pacific, the historic Queen Mary, and unique neighborhoods such as Naples, Retro Row, and the East Village Arts District. Visitors can enjoy whale watching, boat trips to Catalina Island, biking along scenic paths, and cultural destinations like the Museum of Latin American Art. The city’s dining and nightlife scene is thriving, with award-winning restaurants, craft breweries, and iconic spots like the Sky Room. Festivals, historic sites, and a strong arts presence contribute to Long Beach’s diverse, welcoming community and growing appeal as a Southern California destination. The purpose of the loan is to refinance the Borrowers’ existing loan, which has matured, and allow them time to sell the properties. The loan will have six months of interest reserves prepaid at closing. The reserves will give the Borrower the breathing room necessary while they complete the sales. Additionally, they are continuing with the lease-up of the Long Beach multi-family, which will further improve their cash flow and exit. The Borrower is a Trust. The Trustee is a retired real estate investor. She owns six additional properties located in Long Beach. They range from a mix of SFR’s, Commercial, and commercial land. The properties have an estimated value of $15,915,066 with $12,493,333 in protective equity. They generate $42,630 in monthly income. She has steady financial figures showing $81,498.55 between two accounts. The Borrower’s FICO score is 681. The loan will have a maturity in 12 months and 6 months of interest reserves.