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.

Alternative
Underwriting


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
Points


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.

Educational
Resources


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.