Civic Financial Services for Idaho 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.
Idaho context
Idaho high-growth state, especially Boise area. DSCR economics tightened after 2020-22 appreciation. Coeur d'Alene STR active.
How Civic Financial Services positions in Idaho
The Idaho lender pool for DSCR includes Civic Financial Services among the active platforms. Idaho top metros (Boise, Idaho Falls, Coeur d'Alene) see meaningful Civic Financial Services loan volume.
City-level coverage in Idaho
Civic Financial Services provides DSCR coverage across Idaho metros including Boise, Idaho Falls, and Coeur d'Alene. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across Idaho 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 |
| Idaho property tax | 0.7% |
| Idaho state income tax | 5.8% |
Civic Financial Services strengths in Idaho
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including Idaho. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Boise is the top investor market in Idaho and falls within Civic Financial Services national coverage. Boise property tax follows the Idaho state rate of 0.7 percent. Civic Financial Services typically underwrites Boise acquisitions at standard rate sheets.
Yes. Idaho Falls ranks among the larger Idaho investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Idaho Falls matters for property selection.
Civic Financial Services applies the same rate sheet across Idaho metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Boise, Idaho Falls, and Coeur d'Alene 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.
Idaho high-growth state, especially Boise area. DSCR economics tightened after 2020-22 appreciation. Coeur d'Alene STR active. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in Idaho.
Idaho 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 Idaho 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.