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Frequently Asked Questions

AZ, CA, CO, FL, GA, HI, ID, IL, IN, MA, MD, MI, NC, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, and the District of Columbia.

CIVIC lends in major metropolitan areas.


Max LTV will be determined on the location of the property, the borrowers FICO score and experience level.


The Max LTVs are:

80% Purchases

80% Rate & Term

80% Cash Out

The 1-year bridge loan does not have a minimum FICO to qualify. However, the FICO score will directly impact the max leverage.

The 2-year bridge loan has a minimum mid-FICO requirement of 500

The Rental Program has a minimum mid-FICO requirement of 600

Bridge Loan: Rates start at 9.25%.

FICO score, Experience Level, and Vesting Options will directly impact the rate.


Rental Loan: Rates start at 7.50%

FICO score, Experience Level, and Vesting Options will directly impact the rate.

  • Individual(s) name,
  • Inter Vivos Revocable Trust*
  • US Legal Entity**
  • IRA LLC (Checkbook IRA)

*Inter Vivos Revocable Trust vesting is not allowed in Florida

**Vesting as an Individual is not allowed in Georgia. Investor/Sponsor must vest in the name of a legal US Entity (LLC or Inc.)

  • Florida
  • Inter Vivos Revocable Trust vesting is not allowed
  • Georgia
  • Vesting as an individual is not allowed. Investor/Sponsor must vest in the name of a legal US Entity
  • Virginia
  • Vesting as an individual is not allowed. Investor/Sponsor must vest in the name of a legal US Entity

Yes, IRA LLCs (Checkbook IRAs) are eligible investors. The requirements for IRA LLC's are as follows:

  • The sole member must be a self-directed IRA
  • The manager must be the IRA holder
  • Fully Executed Operating Agreement
  • Borrower Resolution authorizing the IRA LLC to enter into a loan transaction with CIVIC
  • Personal Guaranty must be obtained from the investor/sponsor
  • Corporate resolution from IRA custodian

The minimum down payment on a purchase is 20%.

The location of the property and strength of the borrower will ultimately determine what the required down payment will be.

In order to protect your personal information, you can upload the following items directly to our online portal, Origin8:

  1. Application can be completed in the portal
  2. Driver's License
  3. 2 Months Most Recent Bank Statements
  4. Fully Executed Purchase Contract if transaction is a Purchase
  5. Most Recent Mortgage Statement or Payoff Demand if transaction is a Refinance
  6. Entity Documentation for LLC or Inc. if you are vesting in an Entity
  7. Lease Agreement for subject property if you currently already have a tenant in place
  8. Rehab Submission Package and Rehab Budget if rehab financing is requested
  9. Insurance declaration if available

As opposed to Hard Money that does not lend directly and sources it funds from high net worth individuals or crowd funders, Institutionalized Private Money lends directly to the borrower and is backed by Wall Street.

There are many reasons an investor would choose to work with a private money lender. Short-term bridge loans are a popular alternative to conventional loans when investors need:

  1. A quick close. Our loans typically close within 7-10 business days.
  2. Time to increase their credit scores to qualify with a Conventional or Non-QM lender
  3. Time to file their tax returns
  4. Also, private money can help investors who:
  • Are self-employed and cannot qualify traditionally due to their Tax Returns not showing enough income
  • Have reached the maximum number of loans they can finance traditionally. Here at CIVIC we do not calculate DTI, we do not verify income, and we have no cap on the number of investment properties that are financed.

CIVIC prides itself in the experience that we provide to our clients. This starts with our primary portal, Origin8, that allows brokers and borrowers to enter an application from their desktop or cell phone, safely upload sensitive documentation, view their loan with transparency online, and/or price out a loan scenario.

  • Compliance
  • Quick Decision
  • Here to Help
  • The 3 Pillars
  • Experience
  • Common Sense
  • Responsiveness
  • In-House Processing
  • Simple Terms
  • Efficiency & Transparency

On average, we close between 7-10 business days. Depending on the complexity of the transaction details and cooperation of all parties involved, fundings can occur as quick as 5 days after a full submission is received or longer than 10 days.

CIVIC does not offer a Foreclosure Bailout Program. No active Foreclosures or Bankruptcies will be considered.

Yes, we offer and specialize in blanket loans. We can have up to 10 properties in one loan. All of the properties will have to be in the same state.

Yes, we offer rehab financing up to 100% of the rehab budget. The amount financed is determined by the borrowers level of experience and will range between 80%-100% of the rehab budget. These funds will be disbursed from a holdback account on a draw schedule. For more information, click here

No, CIVIC is an As-Is Lender. When we finance the rehab along with the acquisition of the subject property, we use the AS-IS value to determine the base loan amount and leverage. The base loan amount plus the rehab financing amount is all on the same note, and that total loan amount may not exceed 70-75% of the ARV.

Residential Investment Properties: Attached and Detached SFR, 2-4 units, Townhomes, Condos, Manufactured and Modular homes, and Multifamily apartments.

No, currently CIVIC does not offer ground-up construction financing

The only commercial property that CIVIC currently lends on is Multifamily properties up to 100 units.

No, currently CIVIC does not offer financing on vacant land

Yes, CIVIC does lend to Foreign Nationals. The requirements are:

  1. Valid ITIN Number
  2. Valid EIN Number if vesting in an entity
  3. Current and valid Passport of Country of Origin
  4. Current and valid VISA
  5. Funds used for transaction to come from a US bank account

CIVIC is headquartered in Redondo Beach. CIVIC also has branches in many other locations such as:

  • Phoenix, Arizona
  • Calabasas, California
  • Irvine, California
  • Avon, Colorado
  • Denver, Colorado
  • Coral Gables, Florida
  • Atlanta, Georgia
  • Charlotte, North Carolina
  • Las Vegas, Nevada
  • Portland, Oregon
  • Nashville, Tennessee
  • Dallas, Texas
  • Kirkland, Washington
  • For a complete list of locations, click here:

Bank Statements are a crucial item needed to help determine whether the borrower has sufficient funds to cover the down payment and closing costs needed to complete the transaction. Also, because we do not verify income, we require that the borrower has additional funds to cover a minimum of 4 months of the payment including their interest only payment, taxes, insurance, and Association dues, if applicable

Yes, part of CIVICs risk layering procedure is the requirement of reserves. We are a Stated Income Lender; therefore, we require that the borrower has additional funds to cover at least 4 months of the payment including their interest only payment, taxes, insurance, and Association dues, if applicable

Although the full balance will not be used for qualification of the reserve requirement, CIVIC will also consider retirement assets and brokered accounts on a case-by-case basis.