Civic Financial Services for Arizona investors
Civic Financial Services (now part of PacWest Bank) is a long-standing national non-QM lender with full product suite. 75% LTV on cash-out refinance.
Arizona context
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix.
How Civic Financial Services positions in Arizona
Arizona is well covered by national DSCR lenders, with Civic Financial Services as one option. Where Civic Financial Services differentiates: broad product suite. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in Arizona
Civic Financial Services provides DSCR coverage across Arizona metros including Phoenix, Tucson, and Mesa. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across Arizona metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge |
| Loan size | $75K - $2.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
| Arizona property tax | 0.6% |
| Arizona state income tax | 2.5% |
Civic Financial Services strengths in Arizona
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including Arizona. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Phoenix is the top investor market in Arizona and falls within Civic Financial Services national coverage. Phoenix property tax follows the Arizona state rate of 0.6 percent. Civic Financial Services typically underwrites Phoenix acquisitions at standard rate sheets.
Yes. Tucson ranks among the larger Arizona investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Tucson matters for property selection.
Civic Financial Services applies the same rate sheet across Arizona metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Phoenix, Tucson, and Mesa all qualify for the same Civic Financial Services program.
Civic Financial Services indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in Arizona.
Arizona allows standard DSCR prepay structures; Civic Financial Services typically uses 3-5 year step down.
Civic Financial Services typical close: 10-21 days typical.
Bottom line
Civic Financial Services in Arizona works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services.