Requirements
Civic Financial Services lending requirements
The published qualifying criteria for Civic Financial Services — the thresholds a deal is screened against before anything else about it matters. Verified Sep 17, 2026.
Minimum credit score
660
Civic Financial Services sets its credit floor at 660. A borrower scoring below that is not eligible for this program, independent of how the property itself cash-flows.
Minimum DSCR
1.05
A 1.05 floor asks for more cushion than a plain 1.00 minimum: rent has to run 5% above the full monthly payment before Civic Financial Services approves the loan. See How DSCR is calculated.
Maximum leverage
80% LTV / 90% LTC
Maximum loan-to-value is 80% of the property's appraised value — the borrower brings at least 20% of value in cash or equity. Maximum loan-to-cost is 90% of total project cost — purchase price plus rehab budget. That is the binding number on a value-add deal where the finished value will exceed the purchase price, since an LTV cap alone would understate what Civic Financial Services will actually lend against the project.
Loan size
$75,000 – $2,000,000
Loan sizes run from $75,000 to $2,000,000. A deal outside that band, in either direction, is outside Civic Financial Services's box regardless of credit score or DSCR.
Entity requirement
LLC or entity required
Civic Financial Services originates only to a legal entity. A borrower planning to close as an individual is not eligible here — title needs to sit in an LLC or corporation before closing. See Titling a rental in an LLC.
Reading these thresholds together
Civic Financial Services publishes 5 of the 7 criteria categories this directory tracks (credit score, DSCR, leverage, loan size, entity requirement, origination channel, and state coverage). Any category not shown above is not publicly disclosed by Civic Financial Services as of Sep 17, 2026 — treat an absent category as unknown, not as "no requirement."
None of these thresholds are guarantees. A deal that clears every published floor still goes through underwriting on the specific property, borrower history, and documentation . These are the gates a deal has to clear before that review even starts.