Civic Financial Services for Arkansas 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.
Arkansas context
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics.
How Civic Financial Services positions in Arkansas
Arkansas 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 Arkansas
Civic Financial Services provides DSCR coverage across Arkansas metros including Little Rock, Fayetteville, and Fort Smith. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across Arkansas 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 |
| Arkansas property tax | 0.6% |
| Arkansas state income tax | 4.4% |
Civic Financial Services strengths in Arkansas
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including Arkansas. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Little Rock is the top investor market in Arkansas and falls within Civic Financial Services national coverage. Little Rock property tax follows the Arkansas state rate of 0.6 percent. Civic Financial Services typically underwrites Little Rock acquisitions at standard rate sheets.
Yes. Fayetteville ranks among the larger Arkansas investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Fayetteville matters for property selection.
Civic Financial Services applies the same rate sheet across Arkansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Little Rock, Fayetteville, and Fort Smith 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.
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in Arkansas.
Arkansas 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
For Arkansas DSCR borrowers, Civic Financial Services is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services.