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Civic Financial Services: investor loan terms

What Civic Financial Services publishes about its dscr / rental, fix & flip, bridge loans, with links to every source.

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Summary of published terms

Loan types
DSCR / rentalFix & flipBridge
Channel
Direct to investors
Min FICO (lowest stated)
660
Max purchase LTV
80%
Max cash-out LTV
75%
Min DSCR
Not published
Loan size
$50K–$3M
Prepayment penalty
Not published
Short-term rentals
—
Foreign nationals
Yes
Coverage
Not published

Summary fields show the lender’s rental/DSCR program where it has one, otherwise its bridge program. Loan size spans all programs listed.

Program details

DSCR / rental program

Loan size
$75K–$2MM
Min FICO
660
Max LTV
80% purchase & R/T / 75% cash-out
Notes
Foreign nationals max 65% LTV; entity required

Fix & flip program

Loan size
$50K–$3MM
Leverage
Up to 100% of rehab

Bridge program

Min FICO
660
Max LTV
70%