You’ve got to go through Silver to get to gold.

  • Lower minimum loan amount
  • Reduced interest rates for challenged FICOs
  • No geographic LTV caps
  • Reduced closing fees and no lender points charged
  • No tax returns required

Gold DSCR Program Overview:

  • Loan size: $75,000 – $1.5 million
  • Purpose: Purchase, Cash-Out, R/T Refi
  • Loan term: 30-year Fixed / 10-year IO
  • Max LTV: Purchase – 80% / Refi – 75% / Cash-Out – 70%
  • 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.


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.

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 needs more flexibility than traditional lenders can offer
  • Your borrower has a smaller loan requestthan other lenders are willing to accept
  • Your borrower prefers not to submit 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.