New Silver

Online-first lender with flexible DSCR headlines and a broad stabilized-rental range.

New Silver publishes a 660 FICO floor, up to 80% LTV, and $150,000–$3 million rental loans for properties up to eight units.

68% current and rankable evidence1 published program variantLast reviewed 2026-08-09Ranked #4 of 8 · 71.8/100

What this lender leads on

Categories where its published figures lead the researched set, computed from the fields below. Ties are shared.

Widest published state coverage — 50 states + DC (States)

What drove this score

DSCR Accessibility Score 71.8/100 (model accessibility-1.0). Strongest: Cash-out LTV, States served, Rate-and-term LTV, First-time investors. Weakest: Published program variants, No-ratio path, Foreign-national borrowers. An unpublished figure scores zero.

Official site Compare with other lenders

Where the evidence is incomplete

Fields below are reported exactly as published. Nothing is estimated, inferred, or filled in from a competitor.

1 conflicting7 not published1 varies

Critical gaps: None.

Qualification

Minimum DSCR: 0.75×VerifiedVerified 2026-08-09New SilverCurrent product table; older no-minimum marketing prose is not used as the scored threshold.
No-ratio path: Conflicting sourcesConflicting sourcesVerified 2026-08-09New SilverOlder marketing prose references no minimum, but the current product table publishes 0.75; no separate no-ratio program is documented.
Minimum credit score: 660VerifiedVerified 2026-08-09New Silver, New Silver
First-time investors: trueVerifiedVerified 2026-08-09New Silver
Foreign nationals: Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.

Leverage

Purchase LTV: 80%VerifiedVerified 2026-08-09New Silver
Rate-and-term LTV: 80%VerifiedVerified 2026-08-09New SilverThe current product table publishes an 80% LTV ceiling for rental loans.
Cash-out LTV: 80%VerifiedVerified 2026-08-09New SilverCash-out refinance is offered under the published 80% LTV ceiling; confirm scenario adjustments.
Minimum loan: $150,000VerifiedVerified 2026-08-09New Silver
Maximum loan: $3,000,000VerifiedVerified 2026-08-09New Silver
Reserves: Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.
Seasoning: Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.

Eligibility

Property types: single-family, two-to-four, condo, townhome, short-term-rental, multifamilyVerifiedVerified 2026-08-09New Silver
Short-term rentals: trueVerifiedVerified 2026-08-09New Silver
Entity or LLC title: trueVerifiedVerified 2026-08-09New Silver
States: 50 states + DCVerifiedVerified 2026-08-09New SilverNew Silver's nationwide DSCR directory enumerates all 50 states and Washington, D.C.

Structures

Fixed rate: trueVerifiedVerified 2026-08-09New Silver
Adjustable rate: Not offeredNot offeredVerified 2026-08-09New SilverThe current DSCR product is published as a 30-year fixed loan.
Interest only: Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.
Prepayment terms: Varies — confirm with lenderVaries by scenarioVerified 2026-08-09New SilverProgram-specific; confirm the current scenario with the lender.

Pricing and process

A published starting rate is a marketing floor, not a quote, and is never used here to declare a pricing winner.

Published starting rate: 6.000%VerifiedVerified 2026-08-09New SilverMarketing starting point reviewed August 9, 2026; excluded from comparative pricing.
Fees: 0-1.5% published origination fee; other costs varyVerifiedVerified 2026-08-09New Silver
Typical closing time: Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.
Rate lock period: Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.
Published process detail: trueVerifiedVerified 2026-08-09New Silver

Published program variants

Rent

Thirty-year fixed rental financing for stabilized properties.

Minimum DSCR: 0.75×VerifiedVerified 2026-08-09New SilverThe dynamically dated product table is treated as the current program specification.
Minimum credit score: 660VerifiedVerified 2026-08-09New Silver, New Silver
Maximum LTV: 80%VerifiedVerified 2026-08-09New Silver
Interest only: Not offeredNot offeredVerified 2026-08-09New SilverThe published product is 30-year fixed.
Foreign nationals: Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.

Strength and trade-off

Strength

Fast online term-sheet experience and first-time-investor access.

Trade-off

The current product table publishes a 0.75 minimum while older state-page prose still references no minimum; the structured current table governs this record.

These are editorial summaries of the published evidence above. They are not a ranking, a recommendation, or a statement that any lender is best for a given deal.

Sources

Terms — New Silver (nmls), accessed 2026-08-09
DSCR Loan Requirements — New Silver (official lender), accessed 2026-08-09
Minimum and Maximum Loan Amount — New Silver (official lender), accessed 2026-08-09
Entity Requirements — New Silver (official lender), accessed 2026-08-09
Nationwide DSCR Loans — New Silver (official lender), accessed 2026-08-09

Qualification

Minimum DSCR

0.75×VerifiedVerified 2026-08-09New SilverCurrent product table; older no-minimum marketing prose is not used as the scored threshold.

No-ratio path

Conflicting sourcesConflicting sourcesVerified 2026-08-09New SilverOlder marketing prose references no minimum, but the current product table publishes 0.75; no separate no-ratio program is documented.

Minimum credit score

660VerifiedVerified 2026-08-09New Silver, New Silver

First-time investors

trueVerifiedVerified 2026-08-09New Silver

Foreign nationals

Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.

Leverage

Purchase LTV

80%VerifiedVerified 2026-08-09New Silver

Rate-and-term LTV

80%VerifiedVerified 2026-08-09New SilverThe current product table publishes an 80% LTV ceiling for rental loans.

Cash-out LTV

80%VerifiedVerified 2026-08-09New SilverCash-out refinance is offered under the published 80% LTV ceiling; confirm scenario adjustments.

Minimum loan

$150,000VerifiedVerified 2026-08-09New Silver

Maximum loan

$3,000,000VerifiedVerified 2026-08-09New Silver

Reserves

Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.

Seasoning

Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.

Eligibility

Property types

single-family, two-to-four, condo, townhome, short-term-rental, multifamilyVerifiedVerified 2026-08-09New Silver

Short-term rentals

trueVerifiedVerified 2026-08-09New Silver

Entity or LLC title

trueVerifiedVerified 2026-08-09New Silver

States

50 states + DCVerifiedVerified 2026-08-09New SilverNew Silver's nationwide DSCR directory enumerates all 50 states and Washington, D.C.

Structures

Fixed rate

trueVerifiedVerified 2026-08-09New Silver

Adjustable rate

Not offeredNot offeredVerified 2026-08-09New SilverThe current DSCR product is published as a 30-year fixed loan.

Interest only

Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.

Prepayment terms

Varies — confirm with lenderVaries by scenarioVerified 2026-08-09New SilverProgram-specific; confirm the current scenario with the lender.

Pricing and process

A published starting rate is a marketing floor, not a quote, and is never used here to declare a pricing winner.

Published starting rate

6.000%VerifiedVerified 2026-08-09New SilverMarketing starting point reviewed August 9, 2026; excluded from comparative pricing.

Fees

0-1.5% published origination fee; other costs varyVerifiedVerified 2026-08-09New Silver

Typical closing time

Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.

Rate lock period

Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.

Published process detail

trueVerifiedVerified 2026-08-09New Silver

Published program variants

Rent

Thirty-year fixed rental financing for stabilized properties.

Minimum DSCR: 0.75×VerifiedVerified 2026-08-09New SilverThe dynamically dated product table is treated as the current program specification.
Minimum credit score: 660VerifiedVerified 2026-08-09New Silver, New Silver
Maximum LTV: 80%VerifiedVerified 2026-08-09New Silver
Interest only: Not offeredNot offeredVerified 2026-08-09New SilverThe published product is 30-year fixed.
Foreign nationals: Not publishedNot publishedVerified 2026-08-09New SilverNo current value was found on the reviewed official sources.

Strength and trade-off

Strength

Fast online term-sheet experience and first-time-investor access.

Trade-off

The current product table publishes a 0.75 minimum while older state-page prose still references no minimum; the structured current table governs this record.

These are editorial summaries of the published evidence above. They are not a ranking, a recommendation, or a statement that any lender is best for a given deal.

Sources

Terms — New Silver (nmls), accessed 2026-08-09

DSCR Loan Requirements — New Silver (official lender), accessed 2026-08-09

Minimum and Maximum Loan Amount — New Silver (official lender), accessed 2026-08-09

Entity Requirements — New Silver (official lender), accessed 2026-08-09

Nationwide DSCR Loans — New Silver (official lender), accessed 2026-08-09