Civic Financial Services for Montana 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.
Montana context
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity.
How Civic Financial Services positions in Montana
For Montana specifically, Civic Financial Services fits investors who match the hard money approach. The low cash flow profile of Montana aggregate makes it workable for Civic Financial Services.
City-level coverage in Montana
Civic Financial Services provides DSCR coverage across Montana metros including Billings, Bozeman, and Missoula. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across Montana 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 |
| Montana property tax | 0.8% |
| Montana state income tax | 6.75% |
Civic Financial Services strengths in Montana
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including Montana. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Billings is the top investor market in Montana and falls within Civic Financial Services national coverage. Billings property tax follows the Montana state rate of 0.8 percent. Civic Financial Services typically underwrites Billings acquisitions at standard rate sheets.
Yes. Bozeman ranks among the larger Montana investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Bozeman matters for property selection.
Civic Financial Services applies the same rate sheet across Montana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Billings, Bozeman, and Missoula 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.
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in Montana.
Montana 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
Montana 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.