Reserves Requirement | 6+ 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 Downs | 0.375% = 1 point cost |
Caps/Floors | WSJ Prime Index plus margin on note date Initial Reset and Annual Adjustment Cap: 2% Life Cap: Initial rate +6% Life Floor: Initial rate |
Broker Compensation | Origination: 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
PROBLEM
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.
SOLUTION
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
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.