New Silver: published loan terms
New Silver publishes terms for fix and flip, ground-up construction and DSCR rental loans. Its fix-and-flip rates start at 8.5% and its DSCR rental rates at 6%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | Interest Rate 8.5 - 11% (page title: 'Fix and Flip Loans From 8.5%') |
|---|---|
| Loan to purchase / cost | Loan To Cost (LTC) up to 90% |
| Rehab funded | Construction Financing up to 100% |
| Cap on after-repair value | Loan To ARV up to 75% |
| Points | Origination fee 1 - 1.75% |
| Term | up to 18 months |
| Minimum credit score | 650 |
| Experience | Prior Experience Required: No |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at New Silver's advertised starting rate of 8.5% would be about $9,201, against $11,366 at the example's 10.5%. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
DSCR rental terms
| Starting rate | from 6% |
|---|---|
| Purchase / rate-and-term LTV | Loan To Purchase Price up to 80%; Loan To Value up to 80% |
| Cash-out LTV | Not published |
| Minimum DSCR | 0.75 |
| Minimum credit score | 660 |
| Loan size | $150,000 to $3,000,000 |
| Terms | 30-yr fixed rate |
Where New Silver lends
States where we lend (all products): AR, CA, CO, CT, DE, FL, GA, HI, IL, IN, IA, KS, KY, ME, MD, MA, MI, MS, MO, MT, NE, NH, NJ, NM, NY, NC, OH, OK, PA, RI, SC, TN, TX, VA, WA, Washington DC, WV, WI, WY. Alabama, Louisiana, Vermont and Oregon: DSCR/Rental only (Fix & Flip and Ground Up not available).
Not on its published list for fix-and-flip: Alabama, Alaska, Arizona, Idaho, Louisiana, Minnesota, Nevada, North Dakota, Oregon, South Dakota, Utah, Vermont.
Loan size
$100,000 (fix and flip) to $5,000,000 (fix and flip), as published.
Other details from its website
Fix and flip: interest-only payments; 'No Hard Credit Pull'; minimum as-is value $100,000 and ARV $150,000; appraisal with interior access required; 6 comps within 5 miles in last 12 months; max property size 5 acres; no cross-collateral/portfolio loans; property types residential 1-4 units, condos, townhomes. DSCR: origination fee 0 - 1.5%; residential 1-8 units; short-term rentals yes; cash-out refi offered. Page banners at time of reading: 'Save 50 BPS On Rates' (F&F) and 'Free Appraisals Until Dec 5th' (DSCR).
Licensing disclosure
©2026 – New Silver Lending LLC | NMLS Company ID: 2154545
Source
Read on 2026-10-24 from newsilver.com and its states page. Page date: Terms tables say 'Current as of' followed by a date filled in by script with the visitor's current date (span id=current-date), so no real as-of date. Help-center states article: 'Updated over a week ago'.. Terms change often. Fix and Flip Loans is not affiliated with New Silver, and New Silver did not review this page.
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