CV3 Financial Services Review 2026: Bridge, Fix & Flip, DSCR and Construction Loans
By Greg Wilson, commercial loan broker and publisher of Lender Tribune · Last verified November 3, 2026
About CV3 Financial Services
CV3 describes itself as a well-capitalized restart of a private lender. It lends in 47 states plus Washington, DC and holds a California Finance Lenders Law license (60DBO-183355) plus licenses in Arizona, Florida, Idaho, Minnesota, Nevada, Oregon, Utah and Vermont.
CV3 offers a digital application. Its program highlights (May 2025, on file) note no DTI requirement, no property seasoning and no prepayment penalty on 1-year bridge loans.
CV3 Financial Services loan programs at a glance
| Program | Loan size | Leverage / requirements | Term | Pricing and notes |
|---|---|---|---|---|
| Bridge / fix and flip | $75K–$5M | Up to 90% LTV on purchase with renovation; up to 100% of rehab; 80% on purchases and refis by FICO | 12 months typical | 600 min FICO; no prepay on 1-year term |
| Rental (DSCR) | $75K–$5M | Up to 80% LTV; 75% cash-out on listed properties | 30-year fixed or IO ARM | 660 min FICO; single or portfolio; Airbnb allowed |
| Refinance | $75K–$5M | Up to 80% cash-out on rentals | ||
| Ground-up construction | Contact CV3 | Contact CV3 | Short-term | Scenario submission form required |
Company facts and states from cv3financial.com, checked November 3, 2026. Leverage, FICO and loan sizes from CV3 Program Highlights (May 2025) on file; confirm current terms.
Who CV3 Financial Services fits best
- Investors who used CIVIC and want a similar program set
- Short-term rental investors (vacation rentals allowed on rental loans)
- Borrowers without traditional income docs, since there is no DTI test
What to check before you apply
- Not available in North Dakota or South Dakota (not on its lending list).
- Program terms on file are from May 2025.
- Business-purpose only.
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Frequently asked questions
Who runs CV3 Financial Services?
CV3 is led by CEO William Tessar, formerly president of CIVIC Financial Services.
What credit score does CV3 require?
Program materials on file list a 600 minimum FICO for bridge loans and 660 for rental loans.
Does CV3 charge a prepayment penalty?
CV3 program materials list no prepayment penalty on 1-year bridge loans.
Sources
- CV3 Financial Services homepage (checked November 3, 2026)
- Lender program materials on file with Lender Tribune, as dated in the table note above
