This loan is a first deed of trust on a single-family residence in Harbor City, CA. Harbor City is a diverse neighborhood located in the Harbor region of Los Angeles, covering approximately 2.6 square miles. Today, it is home to around 36,000 residents and is known for its cultural diversity, with a population that includes significant Latino, Asian, African American, and White communities. This blend of cultures contributes to a vibrant local atmosphere. The neighborhood is bordered by Harbor Gateway to the north, Wilmington and West Carson to the east, San Pedro and Wilmington to the south, and Lomita and Torrance to the west. The subject is a single-story, traditional-style single-family residence built in 1975 and situated on an approximately 8,260-square-foot corner lot. The home offers 1,908 square feet of living space, featuring 4 bedrooms and 2 bathrooms. Parking accommodations include a two- car attached garage and a large concrete driveway that can accommodate up to four additional vehicles for off-street parking. The interior of the property is in excellent condition, with significant recent updates. The kitchen has been renovated within the past five years and includes new cabinets, Corian solid surface countertops, luxury vinyl plank flooring, recessed LED lighting, and standard appliances. The home also features a spacious dining room with recessed lighting and a slump stone fireplace, as well as vaulted ceilings and ceiling fans in select areas. The bathrooms have also been updated within the last five years. Flooring throughout the home consists of tile, hardwood, and LVP in good condition, complemented by fresh interior paint. The home is equipped with central heating and a wall-mounted AC unit for cooling. The purpose of the loan is to provide cash out for the Borrower to make property improvements, including updating the A/C unit, painting, new flooring, landscaping, and upgrading the kitchen and bathrooms. Before maturity, the Borrower will refinance into a long-term conventional loan.