How to Calculate Net Operating Income

How to Calculate Net Operating Income
Posted Tuesday December 11, 2018 in Investing, Real Estate

You can calculate net operating income (NOI) for your real estate investment by using the generally accepted net operating income formula, which is your potential rental income plus any additional property-related income minus vacancy losses minus total operating expenses. Keep in mind the net operating income formula can vary depending on who calculates it. For…

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Three Approaches To Real Estate Value

Three Approaches To Real Estate Value
Posted Tuesday December 4, 2018 in Investing, Real Estate

There are three methods real estate investors or analysts use to arrive at their opinion of value. One or more of these methods can be used in any given assessment. Typically, the primary method used will rely almost entirely on the type of property being assessed or appraised. Other determining factors may include the goal…

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Deal Structuring Done Right

Deal Structuring Done Right
Posted Monday April 9, 2018 in Private Lending, Real Estate

At CIVIC, we understand that deals are not always simple and straightforward. More often than not, there are complexities with a particular scenario discovered during the original vetting process. Or, during the evaluation process and after an appraisal has been ordered and received, additional situations are presented that can create a few twists and turns.…

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When Private Money Is the Perfect Solution

When Private Money Is the Perfect Solution
Posted Thursday February 1, 2018 in Private Lending, Real Estate

At some stage in your real estate investment career you’ll need the services of a private lender. It’s pretty much inevitable, especially if your portfolio consists of multiple non-owner occupied residential properties or your portfolio is just starting and you intend to begin adding real estate over the next several months. At Civic Financial Services,…

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The Critical Importance of Private Lending

The Critical Importance of Private Lending
Posted Tuesday December 19, 2017 in Private Lending, Real Estate

For those not familiar with private lending or have never even heard the term, it takes a bit of explaining. But once explained, it makes perfect sense and its importance in the real estate industry becomes immediately evident. How so? Private investors view real estate a bit differently than a bank or traditional mortgage banker.…

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Building Your Buyer Database

Building Your Buyer Database
Posted Wednesday November 29, 2017 in Private Lending, Real Estate

Real estate investors in who regularly buy and sell investment properties obviously need two things – access to quick funding and buyers to sell to. At CIVIC, we provide the financing that real estate investors need to quickly provide necessary funds to buy and rehabilitate investment properties, both residential and commercial. After we issue the…

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Civic Financial is an Equal Housing Lender

© 2018 Civic Financial All Rights Reserved. Located in Redondo Beach, California, Civic Financial Services LLC is a leading private money lending provider servicing the greater Los Angeles, Dallas, Phoenix, Seattle, Portland, Denver, Miami, South Beach, Tampa, Sarasota, San Diego, San Francisco, Irvine, Las Vegas, San Jose, Riverside, San Bernardino and surrounding communities. Civic specializes in short term, non-owner occupied and investment properties financing utilizing private hard money and bridge loans.

This is not a commitment to lend. Restrictions may apply. LTV limit is based on current, accurate appraised value. Civic Financial Services, LLC reserves the right to amend rates and guidelines. All loans are made in compliance with Federal, State, and Local laws. Civic Financial Services, LLC is a California Finance Lender under NMLS 1099109 and the California Department of Business Oversight License #603L321, AZ Mortgage Broker License #092863, FL Mortgage Lender Servicer License #MLD1536, NV Mortgage License MB4419, NV Broker License #4443, NV NMLS ID #1410002, OR Mortgage Lending License #ML-5282, UT DRE Mortgage Entity License #10570639. Civic Financial Services, LLC is an equal opportunity lender. Powered by Lenderd.com - Mortgage Website Automation

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Contact Dara Keo (424) 336-7969
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