Civic Financial Services for Wyoming 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.
Wyoming context
Wyoming no state income tax. Jackson Hole ultra-premium STR. Strong LLC privacy.
How Civic Financial Services positions in Wyoming
Wyoming is well covered by national DSCR lenders, with Civic Financial Services as one option. Where Civic Financial Services differentiates: broad product suite. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in Wyoming
Civic Financial Services provides DSCR coverage across Wyoming metros including Cheyenne, Casper, and Jackson. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across Wyoming 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 |
| Wyoming property tax | 0.6% |
| Wyoming state income tax | None |
Civic Financial Services strengths in Wyoming
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including Wyoming. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Cheyenne is the top investor market in Wyoming and falls within Civic Financial Services national coverage. Cheyenne property tax follows the Wyoming state rate of 0.6 percent. Civic Financial Services typically underwrites Cheyenne acquisitions at standard rate sheets.
Yes. Casper ranks among the larger Wyoming investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Casper matters for property selection.
Civic Financial Services applies the same rate sheet across Wyoming metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Cheyenne, Casper, and Jackson 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.
Wyoming no state income tax. Jackson Hole ultra-premium STR. Strong LLC privacy. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in Wyoming.
Wyoming 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
Wyoming 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.