Civic Financial Services for Nevada 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.
Nevada context
Nevada no state income tax. Las Vegas STR active but regulated. Nevada strong LLC privacy.
How Civic Financial Services positions in Nevada
The Nevada lender pool for DSCR includes Civic Financial Services among the active platforms. Nevada top metros (Las Vegas, Reno, Henderson) see meaningful Civic Financial Services loan volume.
City-level coverage in Nevada
Civic Financial Services provides DSCR coverage across Nevada metros including Las Vegas, Reno, and Henderson. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across Nevada 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 |
| Nevada property tax | 0.6% |
| Nevada state income tax | None |
Civic Financial Services strengths in Nevada
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including Nevada. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Las Vegas is the top investor market in Nevada and falls within Civic Financial Services national coverage. Las Vegas property tax follows the Nevada state rate of 0.6 percent. Civic Financial Services typically underwrites Las Vegas acquisitions at standard rate sheets.
Yes. Reno ranks among the larger Nevada investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Reno matters for property selection.
Civic Financial Services applies the same rate sheet across Nevada metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Las Vegas, Reno, and Henderson 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.
Nevada no state income tax. Las Vegas STR active but regulated. Nevada strong LLC privacy. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in Nevada.
Nevada 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 Nevada 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.