Civic Financial Services for Wisconsin 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.
Wisconsin context
Wisconsin strong duplex and multi-unit DSCR. Property tax burden meaningful.
How Civic Financial Services positions in Wisconsin
Within Wisconsin, Civic Financial Services competes alongside other DSCR lenders. Civic Financial Services strengths: broad product suite, experienced team. The high aggregate DSCR economics of Wisconsin create demand for Civic Financial Services programs in Milwaukee and Madison particularly.
City-level coverage in Wisconsin
Civic Financial Services provides DSCR coverage across Wisconsin metros including Milwaukee, Madison, and Green Bay. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across Wisconsin 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 |
| Wisconsin property tax | 2.1% |
| Wisconsin state income tax | 7.65% |
Civic Financial Services strengths in Wisconsin
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including Wisconsin. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Milwaukee is the top investor market in Wisconsin and falls within Civic Financial Services national coverage. Milwaukee property tax follows the Wisconsin state rate of 2.1 percent. Civic Financial Services typically underwrites Milwaukee acquisitions at standard rate sheets.
Yes. Madison ranks among the larger Wisconsin investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Madison matters for property selection.
Civic Financial Services applies the same rate sheet across Wisconsin metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Milwaukee, Madison, and Green Bay 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.
Wisconsin strong duplex and multi-unit DSCR. Property tax burden meaningful. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in Wisconsin.
Wisconsin 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
Civic Financial Services in Wisconsin works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services.