Civic Financial Services for Kansas 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.
Kansas context
Kansas strong cash flow.
How Civic Financial Services positions in Kansas
Within Kansas, Civic Financial Services competes alongside other DSCR lenders. Civic Financial Services strengths: broad product suite, experienced team. The high aggregate DSCR economics of Kansas create demand for Civic Financial Services programs in Wichita and Kansas City KS particularly.
City-level coverage in Kansas
Civic Financial Services provides DSCR coverage across Kansas metros including Wichita, Kansas City KS, and Topeka. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across Kansas 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 |
| Kansas property tax | 1.5% |
| Kansas state income tax | 5.7% |
Civic Financial Services strengths in Kansas
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including Kansas. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Wichita is the top investor market in Kansas and falls within Civic Financial Services national coverage. Wichita property tax follows the Kansas state rate of 1.5 percent. Civic Financial Services typically underwrites Wichita acquisitions at standard rate sheets.
Yes. Kansas City KS ranks among the larger Kansas investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Kansas City KS matters for property selection.
Civic Financial Services applies the same rate sheet across Kansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Wichita, Kansas City KS, and Topeka 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.
Kansas strong cash flow. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in Kansas.
Kansas 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
Kansas investors considering Civic Financial Services should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services.