When does a Debt Service Coverage Ratio (DSCR) loan make sense?

  • Borrower doesn’t pass the standard DTI calculation
  • Borrower doesn’t want to produce tax returns
  • Borrower doesn’t want to use their own income
  • Borrower owns more properties than Agency programs allow

DSCR Program Overview.

  • Loan size: $100,000 to $2,000,000
  • Purpose: Purchase, Refinance, Cash Outs
  • Loan term: 30-Year Fixed
  • Amortization: up to 30 years
  • LTV: up to 80%
  • FICO: 620
  • DSCR: 0.75x
  • Documentation: No tax returns required
  • Broker Compensation: up to 5 points
Check if your deals fit our DSCR solution

We do DSCR differently.


Instead of the standard Debt-to-Income (DTI) test, we perform a DSCR-based underwrite and qualify income based on the property’s cash flows.

No Lender

No lender points means you have the freedom to charge fees your way and earn up to 5 points on a 1-4-unit deal.


As a Silver Hill partner, you get access to unlimited tools designed to help you grow your commercial business.

Wider range of
eligible property
types available for
your clients.

  • 1-4-unit attached/detached
  • Short-term rentals (Airbnb)
  • Warrantable and non-warrantable condos
  • PUDs

Be our next
success story.

Thanks to our DSCR solution, this broker was able to help their client secure a large single family home as a long-term investment property without providing tax return documentation.

Read the Story

Want to discuss a deal?
Let’s talk.

Closing commercial mortgage deals can be a simple and stress-free process – but only if
you have the right partner on your side. See how we can be that partner for you.