01 / INCOME-PRODUCING
DSCR Rental
Our 30-year fixed product for stabilized single-family and small multi-family rentals.
- Starting rate6.00%
- Max LTV80%
- Loan amountUp to $3M
- Term30-Yr Fixed
DSCR Loans Built for Speed.
Get approved in less than 5 minutes with an instant term sheet and proof of funds
- Rates from 6%
- Get approved in 5 minutes
- Instant term sheet
- Up to 80% LTV
- Repeat client discounts
Get Approved Online
No Credit Pull Needed to See Your Rates
Excellent · 4.9 out of 5 · ★ Trustpilot
Lending for every stage of your portfolio
Three flagship programs. One streamlined online application.
02 / VALUE-ADD
Fix & Flip
Purchase plus rehab value add properties — fast draws, no receipts required.
- Rate range8.5 – 11%
- Max LTCUp to 90%
- Loan amountUp to $5M
- Origination1 – 1.75%
03 / DEVELOPMENT
Ground Up
Construction loans for residential builders that need to move quickly.
- Rate range9.75 – 11.25%
- Max LTCUp to 90%
- Loan amountUp to $5M
- Origination1 – 2%
DSCR Loans Built for Speed.
Live DSCR rates from 6.00%
Live DSCR rates from 6.00%
DSCR Loans Built for Speed.
No tax returns. No income verification. Get an instant term sheet and proof of funds in under 5 minutes — backed by a lender that has deployed over $500M in capital.
- Get up to $3,000,000
- Loan-to-Value up to 80%
- Instant online term sheet
Get Approved Online No Credit Pull Needed to See Your Rates
Excellent · 4.9 out of 5 · ★ Trustpilot
Instant Quote
Get your instant term sheet
Tell us a little about the deal — we'll return rates, max leverage and a proof-of-funds letter in under 5 minutes.
New Silver
Indicative Term Sheet
NS-2026-04827
Get Up To
$3,000,000
Rates from
6.00%
LTV up to
80%
Minimum DSCR
0.75
Get Instant Term Sheet No Credit Pull Needed to See Your Rates
Lending for every stage
of your portfolio
Three flagship programs. One streamlined online application.
01 / INCOME-PRODUCING
DSCR Rental
Our 30-year fixed product for stabilized single-family and small multi-family rentals.
- Starting rate6.00%
- Max LTV80%
- Loan amountUp to $3M
- Term30-Yr Fixed
02 / VALUE-ADD
Fix & Flip
Purchase plus rehab value add properties — fast draws, no receipts required.
- Rate range8.5 – 11%
- Max LTCUp to 90%
- Loan amountUp to $5M
- Origination1 – 1.75%
03 / DEVELOPMENT
Ground Up
Construction loans for residential builders that need to move quickly.
- Rate range9.75 – 11.25%
- Loan amountUp to $5M
- TermUp to 18 months
- Origination1 – 2%
Why investors choose us
Speed, convenience and support from start to finish
Speed, certainty, and a lending team that actually picks up the phone — the three things every active investor needs from a capital partner.
Fast Closing
Industry-leading turnaround. Close in as little as 10 days.
Instant Proof of Funds
Get a POF letter the moment you complete the application.
Rates From 6.00%
Streamlined DSCR loans with competitive 30-year fixed pricing.
Repeat Client Discounts
Steep discounts on origination fees and rates for return borrowers.
Instant Term Sheet
Real numbers, real terms, generated online in seconds.
Rate Lock
Sign the term sheet and your rate is locked for the loan term.
Minimal Paperwork
Pre-qualify without uploading a single document.
Expert Support
A real loan advisor from application through close.
Trusted by real investors
Trustpilot
TrustScore 4.9|149 reviews
"These guys are unbelievably good. We got stuck in a jam when another lender couldn't perform. Alex and Marwan stepped in and closed the deal within 10 days."
Paul J. McMann
Multi-family investor
"Alex and his team did exactly what they said they would. The ease of movement throughout the rehab let us complete it in minimum time and capture a nice profit."
Chuck Burke
Fix & flip operator, FL
"From start to finish, it was a pleasant experience. The portal was easy to use, everything was outlined clearly, and the team was wonderful. Closing the next deal soon."
Ms. Jackson
Rental portfolio owner
We're on your side
A capital partner — not just a lender.
When you apply with New Silver, you get a world-class lending team committed to helping you close profitable deals — without the friction.
Start Your Application →- Your credit score won't be affected
We use a soft credit pull to generate your terms. Your score is completely unaffected by the application process.
- No paperwork required to apply
Get pre-qualified for a real estate loan without uploading a single document.
- Loan terms tailored to your deal
Fast, flexible financing that adapts to your strategy as a borrower — not the other way around.
Recently funded deals
Closings from across our portfolio.
Fix & Flip
DSCR Rental
DSCR Rental
Ground Up
Contact Us
Our expert lending team is ready to lend a hand. Email us for instant answers at sales@newsilver.com.
FAQ
Frequently asked questions
Everything you need to know about our Rent program.
Can New Silver finance short term rentals (STR) through the Rent program?
Yes, we can finance both new purchases and refinances for short term vacation rentals. Program details here.
Does New Silver require an appraisal?
Yes, a full appraisal from an approved Appraisal Management Company with interior access and market rent addendum is required.
What are this program's minimum requirements?
For the Rent program, New Silver has a minimum loan amount of $150,000 and as-is value of $150,000.
Is there a prepayment penalty?
Typically there is a 5-4-3-2-1 step down prepayment penalty. In this scenario, the borrower is responsible for paying a penalty of 5% of the outstanding balance if prepaying in the first year, 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. The borrower will have the option to decrease the prepayment penalty with an increase in the interest rate.
Is there a debt service coverage ratio (DSCR)?
Yes. While New Silver evaluates each loan individually, the minimum DSCR required for Rent loans is 0.75. Borrowers with a higher DSCR may be eligible for more favorable terms. DSCR is calculated as the lesser of market rent or rent in place, divided by total monthly obligations including property taxes, insurance, debt service, and HOA/COA fees (if applicable).
Am I required to be an American citizen in order to obtain a Rent loan?
You need to be a US citizen or legal resident.