These are underwriting minimums, not a pre-approval. See the full New Silver profile or compare requirements across the full lender directory.
New Silver qualification minimums
| Minimum credit score | 660 |
|---|---|
| Minimum DSCR | 0.75 |
| Maximum LTV | 85% |
| Maximum LTC | 90% |
| Minimum loan size | $100K |
| Maximum loan size | $3.0M |
| States covered | 39 |
What these minimums mean for a borrower
A minimum credit score is a floor, not a pricing tier — clearing 660 makes a file eligible for review, but the best pricing generally goes to borrowers well above the floor.
DSCR (debt service coverage ratio) compares the property's rent to its projected mortgage payment. A minimum DSCR of 0.75 means rent must cover 75% of the payment — below 100%, so the property does not have to fully cash-flow to qualify, though pricing typically gets worse the further below 1.00 the ratio sits.
Maximum LTV of 85% sets the ceiling on leverage: the loan can't exceed that share of the property's value, so the borrower's down payment (or equity, on a refinance) has to make up the rest.
What New Silver doesn't publish
- Entity/LLC vesting requirement — not publicly published.
- Origination channel — not publicly published.
New Silver Requirements FAQ
New Silver's published minimum credit score is 660. This is a floor, not a guarantee of approval or of the best pricing.
New Silver's published minimum DSCR is 0.75, meaning the property does not have to fully cover its own debt service to qualify.
New Silver's published maximum LTV is 85%, with a maximum LTC of 90%.
New Silver does not publish an LLC/entity-vesting requirement. Confirm directly before you set up your closing entity.
New Silver is licensed in 39 states.
New Silver does not publish its origination channel on the record used for this listing. Loan sizes run from $100K to $3.0M.
This review is an independent directory listing. DSCR Loan Program is not affiliated with New Silver, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.