1 year private lending loan

5/1 ARM

6.25%+

*Pre-Payment Penalty:
3% - 2% - 1%
2 year private lending loan

7/1 ARM

6.50%+

*Pre-Payment Penalty:
4% - 3% - 2% - 1%
4 year private lending loan

10/1 ARM

6.75%+

*Pre-Payment Penalty:
5% - 4% - 3% - 2% - 1%

Long-term financing for the aggregation of stabilized rental properties. CIVIC delivers speed, leverage, and consistency to both highly experienced and new real estate investors.

General Guidelines

  • Portfolio or Single Asset loans
  • 30 year loans, fixed for 5, 7, or 10 years
  • Interest only for fixed period
  • Min. FICO: 600
  • Max LTV: 75%-80% (Purchase, R & T, Cash-Out)
  • Property Types: SFR, 2-4 units, Condos, PUD's, Townhomes
  • Loans to individuals or entities
  • Currently lending in CA, CO, FL, GA, OR, NC, SC, TX, UT & WA; more states to come
  • Non-owner occupied only
  • Stabilized rental properties (leased or soon-to-be leased)
  • Bank statements only / no personal income verification
  • No DTI requirements for borrower
  • Non-Recourse available
  • Minimal DSCR requirements
  • Lender Fee: $1,195
  • No yield maintenance - sliding pre-pay only
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Civic Financial is an Equal Housing Lender

© 2019 Civic Financial All Rights Reserved. Located in Redondo Beach, California, Civic Financial Services LLC is a leading private money lending provider servicing the greater Los Angeles, Dallas, Phoenix, Seattle, Portland, Denver, Miami, South Beach, Tampa, Sarasota, San Diego, San Francisco, Irvine, Las Vegas, San Jose, Riverside, San Bernardino and surrounding communities. Civic specializes in short term, non-owner occupied and investment properties financing utilizing private hard money and bridge loans.

This is not a commitment to lend. Restrictions may apply. LTV limit is based on current, accurate appraised value. Civic Financial Services, LLC reserves the right to amend rates and guidelines. All loans are made in compliance with Federal, State, and Local laws. Civic Financial Services, LLC is a California Finance Lender under NMLS 1099109 and the California Department of Business Oversight License #603L321, AZ Mortgage Broker License #092863, FL Mortgage Lender Servicer License #MLD1536, NV Mortgage License MB4419, NV Broker License #4443, NV NMLS ID #1410002, OR Mortgage Lending License #ML-5282, UT DRE Mortgage Entity License #10570639. Civic Financial Services, LLC is an equal opportunity lender. Powered by Lenderd.com - Mortgage Websites

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Contact Dave Rooker (702) 637-2818
Contact Dave Rooker
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