No doc commercial loans now available

Permanent Financing
Make it easier for borrowers to take out hard money loans with attractive, long-term solutions

More flexibility than banks or SBA programs
Help your clients secure financing without providing tax returns

Greater certainty
Provide a seamless transaction experience that earns you repeat business

 Commercial
Program
1-4-Unit Investor
Program
PurposePurchase/Cash-Out/RefinancePurchase/Cash-Out/Refinance
Loan Sizes$100K - $2MM$100k - $2MM
Terms5-Year ARM
30-Year Fixed
5-Year ARM
30-Year Fixed
Amortization15,25,3015,25,30
Max LTV<$500K: 75%
>$500K: 70%
<$500K: 75%
>$500K: 70%
Min FICO650650
Min DSCROwner-Occupied: 1.2*
Investor: 1.15**
1.0*
Stabilization75% occupancy required over a 90-day trailing UW period**SFR/Duplexes - 100%
Triplexes - 66.67%
4-Plexes - 75%
UW MethodOwner-Occupied: Global DSCR
Investor: Property DSCR
Property DSCR
Documentation2 years personal and business tax returnsNo tax returns required. Leases if using actual rents
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
1-4-Unit Attached/Detached, PUD,
Single Family, Townhome
Pre-Payment Penalty5% for 5 years | 5% for 3 years |
Declining 5%, 4%, 3%, 2%, 1%
5% for 5 years | Declining 3%, 2%, 1% |
Declining 5%, 4%, 3%, 2%, 1%
Why do Brokers Choose Silver Hill Funding?

Top 5 Reasons

  • Certainty of funding
  • Responsive team throughout transaction
  • Broker-friendly compensation model
  • Fast closings
  • Uncommon level of experience

Case Study

Closed Loan in Smithton, Pennsylvania

Light Industrial | $1,065,000
PROBLEM

A business owner in Pennsylvania needed to refinance their light industrial property and pay off 1st and 2nd mortgages, as well as high-interest business loans.

SOLUTION

By partnering with Silver Hill Funding, the borrower was able to qualify for a loan based on 12 months of business bank statements instead of tax returns.

Lightind
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

Have a Deal Right Now?

Tell us about your commercial loan scenario here. One of our mortgage experts will be in touch with next-step information soon.