DSCR FROM 5.45%BRIDGE FROM 8.25%TERM SHEETS IN 24HLENDING IN 42 STATES
DIRECT PRIVATE LENDER · DSCR · BRIDGE · FIX & FLIP · GROUND-UP · 42 STATES
Capital that closes.
We underwrite on rental cash flow — no tax returns, no W-2s, no runaround. Written term sheet in 24 hours, clear-to-close in ten days, priced upfront and held there.
No income verificationNo credit pull to quoteLLC & entity friendly
CLOSED · DSCR CASH-OUT · NASHVILLE, TN
$487K · 75% LTV · 9 DAYS
5.45%
DSCR rates from
10 days
Standard close
$200K–$10M
Loan amounts
42
States covered
LOAN PROGRAMS
One lender for the whole strategy
BUY · BRRRR · FLIP · BUILD · REFI
01
DSCR Rental Loans
Thirty-year financing qualified on the property's rent. Purchase, rate-and-term, or cash-out refinance — the permanent-debt workhorse for buy-and-hold and BRRRR exits.
$200K – $5MFrom 5.45%Up to 80% LTV30-yr fixed · ARM · I/O
02
Short-Term Rental Loans
DSCR financing for Airbnb and VRBO operators, underwritten on short-term rental income — AirDNA and 12-month host statements accepted, not just long-term comps.
$200K – $3MFrom 6.50%Up to 75% LTVAirbnb & VRBO income
03
Bridge Loans
Short-term capital for acquisitions, repositions, and closings that can't wait — including 5+ unit multifamily and portfolio trades at institutional size.
Up to $50MFrom 8.25%6–24 monthsInterest-onlyNo prepay after month 6
04
Fix & Flip
Renovation financing for 1–40 units, with draw schedules that keep pace with your crew — from a first flip to a repeat acquisition.
$200K – $8M90% LTC / 70% ARVDraws in 48hFirst flips welcome
05
Ground-Up Construction
Single-family and 2–4 unit residential construction, including infill, multi-lot takedowns, luxury, spec and custom builds. Budget-led financing from land through completion.
$200K – $10M90% LTC / 70% ARV12–24 months · interest-onlyDraws in 48h
06
Commercial DSCR
Five-plus unit multifamily, mixed-use, retail, office, and self-storage — qualified on the property's income, your bank statements, or full documentation. Three files, one desk.
$500K – $25MFrom 6.75%Up to 75% LTVDSCR · bank-stmt · full-doc
07
Home Equity Lines
Home equity lines for investors: $15K–$750K, fixed rate, with funding in as few as 5 business days for eligible lines under $400K using remote online notary. Borrow against a rental, second home or primary residence without replacing the first mortgage; final eligibility and timing are set by the lender.
$15K – $750KFixed rate5–30 yr termsInvestment & second home
DSCR RENTAL LOANS · THE FLAGSHIP
The property qualifies. Not your paycheck.
Thirty-year financing for rental property — purchase, rate-and-term, or cash-out, vested in your LLC. The rent covers the payment; that’s the file. No tax returns, no W-2s, no DTI.
1
Send the address and rents. Actual lease, market rent, or STR history.
2
We price it against the tiers. DSCR, LTV, and FICO set the rate — upfront, not negotiated.
3
Close in your LLC. Title vests in the entity; your personal DTI never enters the file.
WHAT IT FUNDS
Purchase
Buy in the LLC — leased or rent-ready, qualified on market rent
to 80% LTV
Rate-and-term refinance
Replace bridge or bank debt with 30-year money
to 80% LTV
Cash-out refinance
The BRRRR exit — equity back to work on the next deal
to 75% LTV
$200K – $10MFrom 5.45%30-yr fixed · ARM · I/OPortfolios to 20 doors
THE PROCESS
Service, speed, and nothing hidden
One underwriter, same-day answers, and a borrower dashboard that shows every milestone — no black box between term sheet and wire.
01 · TERM SHEET
Term sheet
Send the address and rents. You get a written quote within 24 hours — no credit pull.
02 · FILE
Docs & appraisal
A short checklist — entity docs, insurance, lease. Appraisal ordered immediately; upload everything from your phone.
03 · UNDERWRITING
Underwriting
In-house credit review. One underwriter owns your file — one call if anything's needed.
04 · CLOSE
Clear to close
Docs to title, funds wired — with dashboard visibility on every milestone from term sheet to wire.
TODAY'S PRICING
Upfront pricing, not "call for rates"
Every quote starts from this table. Final pricing moves with DSCR, LTV, and credit — and we'll show you the adjustment math on the term sheet.
Scenario
Max LTV
Rate from
DSCR ≥ 1.25 · 740+ FICO
65%
5.45%
DSCR ≥ 1.10 · 720+ FICO
75%
6.125%
DSCR ≥ 1.00 · 680+ FICO
80%
6.875%
Short-term rental (STR)
75%
6.50%
Bridge (12-mo, I/O)
75%
8.25%
30-YR FIXED UNLESS NOTED · UPDATED WEEKLY · NOT A COMMITMENT TO LEND
WHY SILT
The pricing is upfront. The underwriter is a person. The wire is on time.
That’s the whole pitch. Pricing you can hold us to, one underwriter who owns your file, and closing dates we actually hit — the rest of this page is just receipts.
01
Direct lender, straight answers
One credit desk, pricing upfront. The terms on your sheet are the terms at the table — no repricing at day eight.
02
Built for repeat borrowers
Portfolio pricing, faster re-underwriting, and terms that improve with every closed loan.
03
One underwriter, whole file
Your deal isn't a ticket in a queue. It has a name on it from term sheet to wire.
COVERAGE
42 states. One desk.
Business-purpose lending coast to coast, every file priced and underwritten from the same desk. Hover the map — we don't currently lend in AK, HI, MN, ND, OR, SD, UT, or VT.
About the desk →Recently funded
DSCR CASH-OUT · TN
$487K
SFR long-term rental, Nashville. 75% LTV, 1.22 DSCR — closed in 9 days.
BRIDGE ACQUISITION · TX
$2.4M
12-unit multifamily, Austin. 72% LTV, 12-month term — term sheet to wire in 9 days.
STR PURCHASE · FL
$910K
Gulf-coast duplex on 12-month host history. 70% LTV — closed in 11 days.
RUN YOUR OWN NUMBERSFour investor calculators →DSCR, cash-out, cash-on-cash, and flip leverage — the same tiers the desk prices from.FIELD NOTESGuides from the desk →DSCR qualification, BRRRR exits, STR income, and the anatomy of a fast close.WHERE WE LEND42 states, one desk →Business-purpose lending coast to coast — see the coverage map and meet the team.
FAQ
Straight answers
Do you really not check my income?+
Correct. DSCR loans qualify on the property's rent against its payment. We verify credit, assets for the down payment and reserves, and the rent itself — never tax returns, W-2s, or employment.
Can I close in an LLC?+
Yes — most of our borrowers do. Title vests in the entity, the loan doesn't touch your personal DTI, and we can accommodate multi-member LLCs and corporations with a standard guaranty.
What does the 10-day close require from me?+
Speed is mostly on our side of the table, but three things keep the clock: return the doc checklist within 48 hours, give the appraiser access day one, and have insurance bound by day seven.
What if my DSCR is below 1.0?+
We can often still lend — at a lower LTV or with additional reserves as compensating factors, or via a bridge loan while the property leases up, refinancing into DSCR once stabilized.
Do you lend to first-time investors?+
Yes, on DSCR rentals with 680+ credit. Fix-and-flip and ground-up programs ask for completed-project experience, which we'll verify from your track record rather than a resume.
Which states do you lend in?+
42 states. We currently do not lend in states with specific licensing restrictions — ask us about your market and we'll confirm on the first call.
FOR BROKERS
Your client, your comp, your timeline.
Broker-protected by policy: comp paid at closing, milestone visibility on every file, and we never market to your borrower.
Send the address.
We'll send the terms.
Written term sheet within 24 hours. No credit pull, no obligation — just the number.
lior@siltcapital.com
(786) 661-8316 · MON–SAT 8A–8P ET
(786) 661-8316 · MON–SAT 8A–8P ET
QUICK QUOTE — 60 SECONDS
DSCR ACADEMY
Learn DSCR before you borrow
THE DSCR ACADEMY
9 courses, 55 lessons
From the ratio itself to the closing table — the whole rental-loan curriculum, free.
OPEN →
TOOLS
Calculators
Run DSCR, payment, cash-out, prepay and short-term-rental income on your own numbers.
OPEN →
THE DSCR PLAYBOOK
Free PDF
The full curriculum condensed into one document, sent straight to your inbox.
OPEN →
Home equity lines are offered through a lending partner; Silt Capital does not originate HELOCs. Terms and eligibility are set by the lender.