Portfolio Loans now available for 1-4-unit properties

Don’t let tax return requirements keep your clients from getting the commercial loan they need.

Expand your product offering with reduced documentation options designed for today’s small-balance borrower. With unique programs geared toward investors, Silver Hill gives you more opportunities to close non-bankable scenarios in your market.

Loan Sizes$100K - $2MM
Terms5-Year ARM
30-Year Fixed
Max LTV<$500K: 75%
>$500K: 70%
Min FICO650
Min DSCRInvestor: 1.15*
Stabilization75% occupancy required over a
90-day trailing UW period*
UW MethodInvestor: Property DSCR
DocumentationNo tax returns required. SHF reviews appraisal and property cash flow.
Eligible PropertiesTier I: Multifamily, Mixed-Use (primary res)
Tier II: Retail, Mixed-Use (primary comm),
Warehouse/Self-Storage, Office, Light
Industrial, Automotive, Mobile Home Park
Pre-Payment Penalty5% for 5 years | 5% for 3 years |
Declining 5%, 4%, 3%, 2%, 1%
*Not applicable if property is purchased as a new space or expansion.
Note: Underwriting guidelines have changed to reflect today’s environment. Contact your Regional Manager to learn how we are approving loans today.
Buy Downs0.375% = 1 point cost
Caps/FloorsWSJ Prime Index plus margin on note date
Initial Reset and Annual
Adjustment Cap: 2%
Life Cap: Initial rate +6%
Life Floor: Initial rate
Broker CompensationOrigination: Up to 2 points
YSP (Rate/Margin increase 0.375%): 2 points
When does this solution make sense for borrowers?

Top 3 Cases

  • When self-employed professionals report lower income for tax reasons
  • When investors struggle to show consistent growth through tax returns
  • When borrowers require more flexibility than a bank is willing to provide

Case Study

Closed Loan in Sacramento, California

Self-Storage | $1,584,000


An investor in California wanted to refinance their commercial mortgage but was unable to get the cash-out they needed from their current lender.


Silver Hill Funding provided a more flexible alternative solution that made it possible for the borrower to obtain the full cash-out amount.

Success Stories
Mixed-Use | $400,000

An investor in California wanted to take cash out of their mixed-use property and they needed a quick closing. Thanks to Silver Hill, the borrower was able to lock in a great rate – despite the fact that they never produced tax returns during the transaction.

Case Studies

Multifamily | $456,000

A group of investors wanted to purchase a recently stabilized multifamily property after a full remodel. Silver Hill was able to approve the loan despite the stabilization issues and allowed the investors to purchase the property with just a 20% down payment.

Case Studies

Light Industrial | $1,190,000

A business owner wanted to execute a cash-out refinance but they were denied SBA financing. Thanks to Silver Hill’s Bank Statement Program, the borrower was able to get approved without having to submit tax returns.

Case Studies

Retail | $700,000

Silver Hill was able to provide the perfect alternative solution for this business owner after their bank decided not to approve their refinance request.

Case Studies