A lending desk, not a call centre
Silt Capital is a private lender for people who buy and hold small rental property. We write business-purpose loans on 1–10 unit residential assets — long-term DSCR rental loans, short-term-rental files, bridge, and renovation and ground-up construction — for investors, from a first duplex to a portfolio, and for the brokers who bring them. We publish our pricing, underwrite the building rather than your tax return, and put the terms in writing early enough for them to be useful. Silt Capital LLC works out of North Miami Beach, Florida, and lends in 42 states.
Four things that decide every file
The property qualifies the loan
We underwrite the asset first: what it rents for, what it costs to carry, and what is left over. Debt-service coverage — rent against principal, interest, taxes, insurance and any association dues — decides the file. There is no tax-return review and no debt-to-income test, because the loan is repaid by the building, not by your W-2. The mechanics are written out in full in the Academy.
The grid is published before you call
Our pricing tiers, the adjustments that move a rate up or down, the floors, and the date the sheet took effect all sit on one public page. You can price your own deal before you speak to anyone, and check what we quoted you against what we published. See today's rate desk and where we think rates are heading.
A written term sheet in days, not weeks
A complete file gets a written term sheet — rate, leverage, term, prepayment structure and fees, in writing — inside days, and the number on it is the number we close at unless the appraisal or title changes the facts. What actually drives the calendar is set out in how fast a DSCR loan closes.
We ask for a short list, and we say why
Entity documents, a lease or market-rent support, insurance, reserves and title. Each item exists because a specific part of the file depends on it, and we tell you which. If a condition is going to be a problem, you hear it on the first call — not the week of closing. Common sticking points are answered on the answers pages.
Who you actually speak to
Avital
Lior Avital is the principal of Silt Capital and the person behind the desk. He sets the published rate grid, underwrites the files, signs the term sheets and answers the phone about them — which is why the number you are quoted and the number that closes are usually the same number.
Everything on this site is written from that desk: the rate sheet, the Academy curriculum, the answer pages and the calculators exist so an investor can do the arithmetic before a call rather than after it.
When a deal isn't ours, we say so on the first call
A boundary stated early is a service. Here is where ours sits, so you can spend your time on a lender who can actually fund the deal.
Owner-occupied homes
Every loan we write is business-purpose, secured by an investment property. If you intend to live in it, we are the wrong lender and we will tell you on the first call.
Unsecured or unsecured-style credit
We lend against real property. No signature lines, no gap funding without collateral.
Deals outside our footprint
If the property sits in a state we are not licensed and active in, we say so immediately rather than working the file for a week first.
Files the numbers don't support
When coverage, leverage or condition puts a deal outside the published grid, we say no early and explain which number would have to change. A fast no is worth more than a slow maybe.
42 states
The current footprint. If your state isn't on this list, we'll tell you on the first call rather than working the file first.