These are underwriting minimums, not a pre-approval. See the full Civic Financial Services profile or compare requirements across the full lender directory.
Civic Financial Services qualification minimums
| Minimum credit score | 660 |
|---|---|
| Minimum DSCR | 1.05 |
| Maximum LTV | 80% |
| Maximum LTC | 90% |
| Minimum loan size | $75K |
| Maximum loan size | $2.0M |
| Entity vesting | LLC required |
What these minimums mean for a borrower
A minimum credit score is a floor, not a pricing tier — clearing 660 makes a file eligible for review, but the best pricing generally goes to borrowers well above the floor.
DSCR (debt service coverage ratio) compares the property's rent to its projected mortgage payment. A minimum DSCR of 1.05 means rent must cover 105% of the payment — the property must fully cover its own debt service.
Maximum LTV of 80% sets the ceiling on leverage: the loan can't exceed that share of the property's value, so the borrower's down payment (or equity, on a refinance) has to make up the rest.
Because Civic Financial Services requires entity vesting, borrowers need an LLC (or similar entity) formed and ready before closing — this is typically what makes the loan a business-purpose loan rather than a consumer mortgage.
What Civic Financial Services doesn't publish
- Exact state count — not publicly published; stated coverage area is National.
- Origination channel — not publicly published.
Civic Financial Services Requirements FAQ
Civic Financial Services's published minimum credit score is 660. This is a floor, not a guarantee of approval or of the best pricing.
Civic Financial Services's published minimum DSCR is 1.05, meaning rent must cover the full projected mortgage payment.
Civic Financial Services's published maximum LTV is 80%, with a maximum LTC of 90%.
Yes. Civic Financial Services requires the loan to close in an LLC or other business entity.
Civic Financial Services does not publish a specific state count. Its stated coverage area is National; confirm your state directly before applying.
Civic Financial Services does not publish its origination channel on the record used for this listing. Loan sizes run from $75K to $2.0M.
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.