No doc commercial loans now available

Investors of single family rental, duplex, and other 1-4-unit properties need your help

Take advantage of Silver Hill’s expertise to meet their specific needs and close more small-balance deals!
With lower rates, faster closings, and less documentation required, our 1-4 Plex Program is a refreshing alternative for prospective borrowers in your market.

Reserves Requirement6+ months of liquid financial reserves measured
by number of months of the qualifying
principal and interest payment of
the subject property for all purchase,
cash-out, and rate/term transactions
Buy Downs0.375% = 1 point cost
Caps/FloorsWSJ Prime Index plus margin on note date
Initial Reset and Annual
Adjustment Cap: 2%
Life Cap: Initial rate +6%
Life Floor: Initial rate
Broker CompensationOrigination: Up to 2 points
YSP (Rate/Margin increase 0.375%): 1 point
Why do Brokers Choose Silver Hill Funding?

Top 5 Reasons

  • No tax returns or 4506T required during transaction
  • No DTI calculation
  • Competitive solution for Fannie Mae fallout
  • Rates starting at just 5.750%
  • Borrowers can launch transaction with just a $500 deposit

Case Study

Closed Loan in Torrance, California

Multifamily | $646,100

An investor in California was looking for a cash-out refinance solution for their multifamily investment property that would not require a traditional agency DTI underwriting.


Silver Hill Funding was able to meet their needs thanks to their 1-4 Plex Program, which also gives borrowers the ability to secure financing without having to provide tax returns.

Success Stories
Mixed-Use | $400,000

An investor in California wanted to take cash out of their mixed-use property and they needed a quick closing. Thanks to Silver Hill, the borrower was able to lock in a great rate – despite the fact that they never produced tax returns during the transaction.

Case Studies

Multifamily | $456,000

A group of investors wanted to purchase a recently stabilized multifamily property after a full remodel. Silver Hill was able to approve the loan despite the stabilization issues and allowed the investors to purchase the property with just a 20% down payment.

Case Studies

Light Industrial | $1,190,000

A business owner wanted to execute a cash-out refinance but they were denied SBA financing. Thanks to Silver Hill’s Bank Statement Program, the borrower was able to get approved without having to submit tax returns.

Case Studies

Retail | $700,000

Silver Hill was able to provide the perfect alternative solution for this business owner after their bank decided not to approve their refinance request.

Case Studies

Have a Deal Right Now?

Tell us about your commercial loan scenario here. One of our mortgage experts will be in touch with next-step information soon.