New Silver for Texas investors
New Silver is a tech-forward non-QM lender with fast underwriting and accessible minimum loan sizes that suit newer investors.
Texas context
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast.
How New Silver positions in Texas
The Texas lender pool for DSCR includes New Silver among the active platforms. Texas top metros (Houston, Dallas-Fort Worth, Austin) see meaningful New Silver loan volume.
City-level coverage in Texas
New Silver provides DSCR coverage across Texas metros including Houston, Dallas-Fort Worth, and Austin. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. New Silver program terms apply uniformly across Texas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge |
| Loan size | $100K - $3.0M |
| Rates | 9.5%-11.75% |
| Points | 1 - 3 |
| Max LTV | 85% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 5-14 days typical |
| Texas property tax | 1.9% |
| Texas state income tax | None |
New Silver strengths in Texas
- tech-driven fast underwriting
- low minimum loan sizes
- BRRRR-friendly
Ideal borrower: Newer-to-mid investor with smaller deal sizes
FAQ
Yes, operates nationally including Texas. New Silver is based in West Hartford, CT and operates nationally.
Houston is the top investor market in Texas and falls within New Silver national coverage. Houston property tax follows the Texas state rate of 1.9 percent. New Silver typically underwrites Houston acquisitions at standard rate sheets.
Yes. Dallas-Fort Worth ranks among the larger Texas investor metros and sees consistent DSCR loan volume from New Silver. Submarket variation within Dallas-Fort Worth matters for property selection.
New Silver applies the same rate sheet across Texas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Houston, Dallas-Fort Worth, and Austin all qualify for the same New Silver program.
New Silver indicative DSCR rate range is 9.5 to 11.75 percent with 1 to 3 points.
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast. New Silver follows standard business-purpose loan structures.
New Silver funds fix-and-flip, BRRRR, rental, bridge in Texas.
Texas allows standard DSCR prepay structures; New Silver typically uses 3-5 year step down.
New Silver typical close: 5-14 days typical.
Bottom line
For Texas DSCR borrowers, New Silver is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with New Silver.