This is not a rate quote. Rates change frequently and depend on credit, leverage, coverage ratio, property type and borrower experience — see the full Civic Financial Services profile or compare terms across the full lender directory.
Civic Financial Services rate and pricing terms
| Interest rate range | 9.5%–12% |
|---|---|
| Origination points | 1 – 3 |
| Max LTV | 80% |
| Max LTC | 90% |
| Minimum loan size | $75K |
| Maximum loan size | $2.0M |
| Typical close time | 10-21 days typical |
What moves your rate with Civic Financial Services
Civic Financial Services lists a minimum credit score of 660 and a minimum DSCR of 1.05. Falling below either threshold typically means a rate add-on or a decline rather than an automatic pass, since both feed the same risk-based pricing grid as leverage.
Civic Financial Services highlights the following as differentiators: broad product suite; experienced team; national reach.
What this rate range doesn't tell you
A quoted rate is never the whole cost. Civic Financial Services's 1–3 points are paid at closing on top of the interest rate, and the exact point charged within that range depends on the specific deal. DSCR and hard-money pricing is also tiered rather than flat — lenders in this category generally price better as leverage drops and coverage ratio rises, and worse as either moves the other way. None of that tiering detail is published by Civic Financial Services, so treat the range above as a starting point for a conversation, not a final number.
Civic Financial Services Rates FAQ
Civic Financial Services's indicative rate range is 9.5%–12%. These figures were last confirmed against Civic Financial Services's published materials on 2026-09-17.
Yes. Civic Financial Services's published origination points range is 1–3 points, in addition to the interest rate.
Civic Financial Services's published maximum LTV is 80%. Lower leverage generally prices better than the maximum.
Civic Financial Services's published minimum credit score is 660. Its published minimum DSCR is 1.05.
Civic Financial Services's typical close timeline is 10-21 days typical. Close speed and rate are separate terms — a faster timeline is not itself a discount unless the lender states one.
No. Civic Financial Services's rate range is indicative and changes with market conditions, credit, leverage, coverage ratio and borrower experience. Request a written quote directly from Civic Financial Services before relying on any figure here.
This review is an independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.