You’ve got to go through Silver to get to gold.
- Best rates available for investors
- Reduced closing fees
- No Lender points
Gold DSCR Program Overview:
- Loan size: $75,000 – $1.5 million
- Purpose: Purchase, Cash-Out, R/T Refi
- Loan term: 5-year ARM / 30-year Fixed
- Max LTV: Purchase – 80% / Refi – 75%
- Min DSCR: 1.20x for FICO <720 / 1.10x for FICO ≥720
- FICO: 700
- Amortization up to 30 years
- Closing entity: Business
- Documentation: No tax returns required
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.
Lower
Closing Fees
The financing flexibility your clients need. Now with reduced closing fees. It’s a win-win.
When does this program make sense for investors?
- Your borrower prioritizes low rates
- Your borrower has strong credit
- Your borrower prefers not to produce tax return documentation
What borrowers
are saying.
“Silver Hill is my #1 lender to take my deals
to because of my SHF team!” – Mona O.
Want to discuss a deal?
Let’s talk.
Closing 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.
