Licensing, disclosures & privacy

Licensing

Bolet Duman, [title], NMLS #[number or remove].

Loans are made by [Brick City legal entity name], NMLS #[number or remove], [address].

[State licensing statement: list of state licenses held, or the basis on which business-purpose loans are made without a license in each state.] NMLS Consumer Access: [link if applicable].

Business-purpose loans only

Loans advertised on this site are for business purposes, secured by non-owner-occupied investment real estate. They are not available for personal, family or household purposes, and not for a property the borrower or a family member will live in.

Not an offer to lend

Information on this site is for general education and marketing. It is not an offer to lend, a commitment to make a loan, or a rate lock. All loans are subject to credit approval, underwriting, property appraisal, title review and the lender's program guidelines. Rates, terms, fees and availability can change without notice. Not all applicants or properties will qualify.

Calculator disclaimer

The DSCR calculator gives estimates based only on the numbers you enter. It doesn't account for every cost (vacancy, maintenance, management, closing costs, reserves) and is not a quote. Interest rates in the calculator are assumptions, not offered rates.

Equal housing

[CONFIRM whether an Equal Housing Opportunity / Equal Housing Lender statement and logo should appear, and the exact wording.]

Privacy notice

What we collect. This website has no forms and does not collect your name, contact details or credit information. The DSCR calculator runs in your browser and does not send your numbers anywhere. If you email us, we receive what you write.

How it's used. To respond to your inquiry and, if you apply, to process your loan request. The "Send your scenario" and "Authorize a soft credit check" links open Brick City's pages on loanmachine.io. What you enter there, including any credit authorization, goes to that system and is covered by the terms and notices shown on those pages, not by this website. [CONFIRM vendor wording]

Sharing. We don't sell your personal information. We share it only with Brick City and service providers that help process your request, or as required by law. [CONFIRM against Brick City privacy policy; link it here]

Cookies and third parties. This site doesn't use advertising or analytics cookies. Fonts are loaded from Google Fonts, which receives your IP address when the page loads. [UPDATE if you add analytics]

Calls and texts. If you give consent when you send a scenario, we may contact you by phone or text about your inquiry. Reply STOP to opt out of texts at any time. Consent is not a condition of a loan. [CONFIRM against the consent wording on the intake page]

Contact. Questions or requests about your information: bduman@brkcty.com.

Duman Automations

AI automation services at dumanautomations.com are a separate business from Brick City and are not lending services. [CONFIRM wording]

Accessibility

If anything on this site is hard to use, email bduman@brkcty.com and we'll help.