Feel confident your deals will get approved – even if your clients are not able to disclose tax return documentation.

Tap into the reduced documentation solution that’s helping small-balance borrowers secure the loans they need today. With a focus on FICO, LTV, and 3rd party consumer credit information, Silver Hill can help you close more non-bankable scenarios in your market.

PurposePurchase/Cash-Out/Refinance
Loan Sizes$100K - $2MM
Terms5-Year ARM
30-Year Fixed
Amortization15,25,30
Max LTV75%
Min FICO700
Min DSCR1.0x
UW MethodAlternative data and borrower credit
DocumentationNo tax returns, bank statements, or operating statements required*
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%
* Borrowers will be required to submit a purchase contract for transactions involving a real estate acquisition. Note that appraisal companies may require property documentation to assess final value.
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 3 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

PROBLEM

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

SOLUTION

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