Lender Directory / New Silver Lending
New Silver Lending
An online DSCR platform with a current published 0.75x minimum DSCR, 660 minimum FICO, up to 80% LTV and $150k–$3M loan range.
Program snapshot
Min. DSCR0.75x current published minimum
RatesGet Current Pricing
Max LTVUp to 80%
Min. Credit660+ FICO
Loan Amounts$150k – $3.0M
ClosingExpected 14–21 days
Residential 1–8 UnitsShort-Term Rentals (STR)
Primary source: New Silver Rent loan Help Center
Verified highlights
- Some New Silver pages contain contradictory explanatory language about minimum DSCR; DSCRDeals uses the structured current product table.
- Closing timing varies by appraisal, title and file complexity.
Loan Terms & Transparency
How this loan is actually underwritten
DSCR calculationLower of market rent or in-place rent ÷ total monthly obligations
Obligations include taxes, insurance, debt service and HOA/COA fees when applicable.
AppraisalApproved AMC required
Full appraisal with interior access and market-rent addendum.
Lender feesNot fully publicly disclosed
Do not assume an undisclosed fee is $0. Confirm the complete lender-controlled fee schedule before appraisal.
Reserves / escrowNot fully publicly disclosed
Confirm current reserve months and initial escrow requirements for your scenario.
PrepaymentTypically 5/4/3/2/1
New Silver says the penalty can be reduced in exchange for a higher interest rate.
What can affect termsDSCR and full underwriting
Higher DSCR may qualify for more favorable terms.
Last verified: Aug. 23, 2026 · Source: New Silver Rent program
Best fit
- Online-first borrowers
- Residential rental properties
- Short-term rentals
What to verify
- Some New Silver pages contain contradictory explanatory language about minimum DSCR; DSCRDeals uses the structured current product table.
- Closing timing varies by appraisal, title and file complexity.