No doc commercial loans now available

Create new opportunities for closed loans with our no doc, no hassle solution

Meet the Silver Hill No Doc Streamline Program for loans of $100,000-$300,000. We don’t need tax returns, bank statements, leases, a rent roll, or historical operating statements to close your deal.*

Take advantage of our competitive pricing and flexible terms to capture more business and generate more income from non-bankable commercial loans.

*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.

1-4-Unit Investor
Loan Sizes$100K - $2MM$100k - $2MM
Terms5-Year ARM
30-Year Fixed
5-Year ARM
30-Year Fixed
Max LTV<$500K: 75%
>$500K: 70%
<$500K: 75%
>$500K: 70%
Min FICO650650
Min DSCROwner-Occupied: 1.2*
Investor: 1.15**
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%
When does this solution make sense for borrowers?

Top 3 Cases

  • When borrowers are not able to provide the documentation traditional lenders require
  • When requested loan amounts don’t meet bank limits.
  • When borrowers require a more streamlined transaction process.

Case Study

Closed Loan in Skokie, Illinois

Automotive | $220,000

A business owner in Illinois wanted to execute a cash-out refinance but needed to work with a lender that would lend on an automotive property.


The borrower’s broker took the deal to Silver Hill Funding and secured a 5-year hybrid loan with no tax return requirement for qualification.

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.