CIVIC Financial Services: published loan terms
CIVIC Financial Services publishes terms for fix and flip, bridge, ground-up construction, DSCR rental and rental portfolio loans. Its fix-and-flip rates start at 8.49% and its DSCR rental rates at 6.56%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | STARTING RATE 8.49%* |
|---|---|
| Loan to purchase / cost | Up to 90% LTC |
| Rehab funded | Up to 100% of rehab budget |
| Cap on after-repair value | Up to 75% ARLTV |
| Points | Not published |
| Term | 12 months standard; 18 month option case-by-case |
| Minimum credit score | Not published |
| Experience | NO prior experience required |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at CIVIC Financial Services's advertised starting rate of 8.49% would be about $9,190, against $11,366 at the example's 10.5%. CIVIC Financial Services doesn't publish its points, so they aren't compared here. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
DSCR rental terms
| Starting rate | STARTING RATE 6.56%* |
|---|---|
| Purchase / rate-and-term LTV | Up to 80% on purchase and rate & term |
| Cash-out LTV | Up to 75% on cash-out |
| Minimum DSCR | 1.05x (Gross Rent/PITIA) |
| Minimum credit score | 660 |
| Loan size | $75k to $2MM |
| Terms | 30-year fixed rate mortgage (fully amortizing or Partial IO); 5/6, 7/6, 10/6 hybrid ARMs (partial IO or fully amortizing) |
Where CIVIC Financial Services lends
CIVIC currently lends in 47 states and the District of Columbia. ***At this time, we are unable to lend in North Dakota, South Dakota and Vermont.
Loan size
$50K (fix and flip) to $3MM (fix and flip), as published.
Other details from its website
Full recourse only; entity borrower required; foreign nationals eligible (not from ineligible-country list). Disclaimer: '*Rates advertised are the lowest offered. Actual rates and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc.' Rental: unleased units at 90% of market rent; 90-day seasoning to use value vs cost basis; rural properties not permitted; foreign nationals 65% LTV max; rental page also says 'Interest Rate: Call for quote'.
Licensing disclosure
A Roc360 affiliate is licensed as an Arizona Commercial Mortgage Banker (License No. CBK-1002735); California Finance Lender (DFPI License No. 60DBO-69051); Florida Mortgage Lender Servicer (MLD1778); Idaho Mortgage Broker/Lender (MBL-2081804080); Minnesota Residential Mortgage Originator (MN-MO-1804080); Nevada Mortgage Company (NMC-1180663); North Carolina Loan Broker (Registration Filing 315); Oregon Mortgage Lender (1804080); Tennessee Industrial Loan and Thrift Company (1804080); Utah Mortgage Entity (14210511).
Source
Read on 2026-10-24 from civicfs.com and its states page. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with CIVIC Financial Services, and CIVIC Financial Services did not review this page.
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