All Forum Posts by: John Paul Riturban

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
• Lending in: AZ, CA, CO, FL, GA, HI, NC, NV, OR, SC, TN, TX, UT, VA, WA

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
• 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/

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/

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/

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/

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/

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/

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/

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

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/