All Forum Posts by: John Paul Riturban

We understand that time is money when it comes to your properties. When you need to close on a deal fast, count on CIVIC! Feel Free to call John Paul at 949-201-9462 or email [email protected]​ about any scenario.

BRIDGE
- Close as fast as 5-10 days
- 1 and 2 year terms
- Fix & Flip / Bridge/ Quick cash-out solutions
- 75-80% LTV
- Up to 100% of rehab
- No pre-payment penalty on one year loans
- Loan amounts from $100K to $10MM

RENTAL
- 5/1, 7/1, 10/1 ARM
- Stabilized Rental Program (1-4 units)- Single asset or portfolio
- Minimal DSCR requirements
- No personal income verification or DTI calculation
- Loan amounts from $100K to $10MM

Feel Free to call John Paul at 949-201-9462 or email [email protected]​
For more info, go to ​https://johnpaulriturban.civicfs.com

We understand that time is money when it comes to your properties. When you need to close on a deal fast, count on CIVIC!

BRIDGE

- Close as fast as 5-10 days

- 1 and 2 year terms

- Fix & Flip / Bridge/ Quick cash-out solutions

- 75-80% LTV

- Up to 100% of rehab

- No pre-payment penalty on one year loans

- Loan amounts from $100K to $10MM

RENTAL

- 5/1, 7/1, 10/1 ARM

- Stabilized Rental Program (1-4 units)- Single asset or portfolio

- Minimal DSCR requirements

- No personal income verification or DTI calculation

- Loan amounts from $100K to $10MM

Feel Free to call John Paul at 949-201-9462 or email [email protected]​

For more info, go to ​https://johnpaulriturban.civicfs.com

CIVIC Financial now has a 30 year Rental Loan Program for residential investment properties! The Rental Loan Program has minimal DSCR requirements and No DTI requirements for the borrower! Feel free to call me at 949-201-9462 to learn more.

GENERAL GUIDELINES:
- Portfolio or Single Asset loans
- 30 year loans, fixed for 5, 7, or 10 years
- Interest only for fixed period
- Min. FICO: 600
- Max LTV : 75%-80% (Purchase, Rate & Term, Cash-Out)
- Property Types: SFR, 2-4 units, Condos, PUD's, Townhomes
- Loans to individuals or entities
- Rental Loan available in AZ, CA, CO, FL, GA, HI, NC, NV, OR, SC, TN, TX, UT, VA & WA
- A Shorter Bridge Loan of 1 or 2 years also available!

Feel Free to call John Paul at 949-201-9462 or email [email protected]​
For more info, go to ​https://johnpaulriturban.civicfs.com

Civic Financial Services offers stated income financing for Investors that don't require tax returns or paystubs and we don't require a minimum credit score. We will look at most loan scenarios and will fund most loans that were declined with conventional financing!

Loan Program:
- Lending in AZ, CA, CO, FL, GA, HI, NC, NV, OR, UT, SC, TN, TX, VA & WA
- ​Up to 80% Max LTV in most States and Cities
- 1 year & 2 year Terms with Extensions
- Rates from 7.99-10.99%
- 1 year term has No Prepayment Penalty!
- All our bridge loans are interest only, No Impounds!
- There's no Seasoning Requirement for Funds or Ownership necessary
- No minimum FICO requirement and we can lend to Foreign Nationals
- Experienced Investors could get up to 100% financing of Rehab Budget
- 7-10 Business Day Funding
- Need a longer term? Ask us about our 30 year Rental Loan!

Feel Free to call John Paul at 949-201-9462 or email [email protected]​
For more info, go to ​https://johnpaulriturban.civicfs.com

CIVIC Financial now has a 30 year Rental Loan Program for residential investment properties. You can pull cash out on your Fix&Flip with very little seasoning of ownership. You only need to show proof or rehab. The Rental Loan Program has minimal DSCR requirements and No DTI requirements for the borrower! Feel free to call me at 949-201-9462 to learn more.

GENERAL GUIDELINES:
- Portfolio or Single Asset loans
- 30 year loans, fixed for 5, 7, or 10 years
- Interest only for fixed period
- Min. FICO: 600
- Max LTV : 75%-80% (Purchase, Rate & Term, Cash-Out)
- Property Types: SFR, 2-4 units, Condos, PUD's, Townhomes
- Loans to individuals or entities
- Rental Loan available in AZ, CA, CO, FL, GA, HI, NC, NV, OR, SC, TN, TX, UT, VA & WA
- A Shorter Bridge Loan of 1 or 2 years also available!

Feel Free to call John Paul at 949-201-9462 or email [email protected]​
For more info, go to ​https://johnpaulriturban.civicfs.com

Civic Financial Services offers stated income financing for Investors that don't require tax returns or paystubs and we don't require a minimum credit score. We will look at most loan scenarios and will fund most loans that were declined with conventional financing!

Loan Program:
- Lending in AZ, CA, CO, FL, GA, HI, NC, NV, OR, UT, SC, TN, TX, VA & WA
- ​Up to 80% Max LTV in most States and Cities
- 1 year & 2 year Terms with Extensions
- Rates from 7.99-10.99%
- 1 year term has No Prepayment Penalty!
- All our bridge loans are interest only, No Impounds!
- There's no Seasoning Requirement for Funds or Ownership necessary
- No minimum FICO requirement and we can lend to Foreign Nationals
- Experienced Investors could get up to 100% financing of Rehab Budget
- 7-10 Business Day Funding

Feel Free to call John Paul at 949-201-9462 or email [email protected]​
For more info, go to ​https://johnpaulriturban.civicfs.com

CIVIC Financial now has a 30 year Rental Loan Program for residential investment properties! The Rental Loan Program has minimal DSCR requirements and No DTI requirements for the borrower! Feel free to call me at 949-201-9462 to learn more.

GENERAL GUIDELINES:
- Portfolio or Single Asset loans
- 30 year loans, fixed for 5, 7, or 10 years
- Interest only for fixed period
- Min. FICO: 600
- Max LTV : 75%-80% (Purchase, Rate & Term, Cash-Out)
- Property Types: SFR, 2-4 units, Condos, PUD's, Townhomes
- Loans to individuals or entities
- Rental Loan available in AZ, CA, CO, FL, GA, HI, NC, NV, OR, SC, TN, TX, UT, VA & WA. More states to follow!

Feel Free to call John Paul at 949-201-9462 or email [email protected]​
For more info, go to ​https://johnpaulriturban.civicfs.com

Civic Financial Services offers stated income financing for Investors that don't require tax returns or paystubs and we don't require a minimum credit score. We will look at most loan scenarios and will fund most loans that were declined with conventional financing!

Loan Program:
- Lending in AZ, CA, CO, FL, GA, HI, NC, NV, OR, UT, SC, TN, TX, VA & WA
- ​Up to 80% Max LTV in most States and Cities
- 1 year & 2 year Terms with Extensions
- Rates from 7.99-10.99%
- 1 year term has No Prepayment Penalty!
- All our bridge loans are interest only, No Impounds!
- There's no Seasoning Requirement for Funds or Ownership necessary
- No minimum FICO requirement and we can lend to Foreign Nationals
- Experienced Investors could get up to 100% financing of Rehab Budget
- 7-10 Business Day Funding

Feel Free to call John Paul at 949-201-9462 or email [email protected]​
For more info, go to ​https://johnpaulriturban.civicfs.com

• CIVIC Financial now has a 30 year Rental Loan Program for residential investment properties! The Rental Loan Program has minimal DSCR requirements and No DTI requirements for the borrower! Feel free to call me at 949-201-9462 to learn more.
  
  GENERAL GUIDELINES:
  Portfolio or Single Asset loans
  30 year loans, fixed for 5, 7, or 10 years
  Interest only for fixed period
  Min. FICO: 600
  Max LTV : 75%-80% (Purchase, Rate & Term, Cash-Out)
  Property Types: SFR, 2-4 units, Condos, PUD's, Townhomes
  Loans to individuals or entities
  Rental Loan available in CA, CO, FL, GA, TX, & WA. More states to follow!
  
  Feel Free to call John Paul at 949-201-9462 or email [email protected]​
  For more info, go to ​https://johnpaulriturban.civicfs.com

1. Civic Financial Services offers stated income financing for Investors that don't require tax returns or paystubs and we don't require a minimum credit score. We will look at most loan scenarios and will fund most loans that were declined with conventional financing!
   
   Loan Program:
   Lending in AZ, CA, CO, FL, GA, HI, NC, NV, OR, UT, SC, TN, TX, VA & WA
   ​Up to 80% Max LTV in Most States
   1 year, 2 year, and 4 year Terms with Extensions
   Rates from 8.50-10.99%
   1 year term has No Prepayment Penalty!
   All our loans are interest only, No Impounds!
   There's no Seasoning Requirement for Funds or Ownership necessary
   No Minimum FICO requirement and we can lend to Foreign Nationals
   Experienced Investors could get up to 100% financing of Rehab Budget
   7-10 Business Day Funding
   
   Feel Free to call John Paul at 949-201-9462 or email [email protected]​
   For more info, go to ​https://johnpaulriturban.civicfs.com