Published terms, read October 24, 2026
New Silver loan terms
Direct private lender with online term sheets for fix-and-flip, ground-up and DSCR loans.
New Silver: DSCR rental loans
| Term | New Silver | Doors Funded programs |
|---|---|---|
| Loan amount | $150,000 to $3,000,000 | $75,000 to $2,000,000 |
| Max LTV (purchase) | Up to 80% LTV | Up to 80% LTV (75% cash-out) |
| Min FICO | 660 | 660 |
| Min DSCR | 0.75x | 1.05x |
| Experience | Not required | Not required |
| Property types | 1-8 units, short-term rentals allowed | Single family, 2-4 units, townhomes, PUDs, warrantable condos |
Conditions: 30-year fixed. [1]
New Silver: Fix and flip loans
| Term | New Silver | Doors Funded programs |
|---|---|---|
| Loan amount | $100,000 to $5,000,000 | $50,000 to $3,000,000 |
| Purchase | Up to 90% LTC | Up to 90% of price |
| Rehab | Up to 100% | Up to 100% |
| Max ARV | Up to 75% of ARV | Up to 75% of ARV |
| Min FICO | 650 | Quoted per loan |
| Experience | Not required | None required |
| Term | Up to 18 months | 12 months; 18 months case by case |
Conditions: 1-4 units, condos, townhomes. As-is value at least $100,000 and ARV at least $150,000. [1]
New Silver: Ground-up construction loans
| Term | New Silver | Doors Funded programs |
|---|---|---|
| Loan amount | $100,000 to $5,000,000 | $50,000 to $3,000,000 |
| Max LTC | Up to 90% LTC | Up to 85% of cost (90% with 3+ similar projects) |
| Max ARV | Up to 75% of ARV | Up to 70% of completed value |
| Min FICO | 650 | Quoted per loan |
| Experience | Not published | 1-2 prior ground-up builds |
| Term | 18 months | 12 months, up to 18 (up to 24 for experienced builders) at the lender's discretion |
Conditions: Up to 100% of construction costs. 1-4 units, condos, townhomes. [1]
Where New Silver lends and who can borrow
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC | 47 states and Washington, DC. Not available in North Dakota, South Dakota or Vermont. | Business entity (LLC or corporation); full recourse | DSCR: Eligible, up to 65% LTV. Fix and flip: Eligible (some countries excluded). Construction: Eligible. |
| New Silver | 41 states and Washington, DC (Alabama for DSCR only), per New Silver's February 2026 list. [src] | DSCR loans can be made to LLCs and corporations; whether an entity is required is not published. [src] | Fix-and-flip and ground-up loans require a US citizen or legal resident. Not published for DSCR. [src][src] |
Who New Silver fits, on its published terms
- Rentals with 1 to 8 units, short-term rentals included, at a 0.75x DSCR floor.
- First flips: no experience required, up to 90% of cost and 75% of ARV.
- Investors who want an online term sheet before talking to anyone.
Check these before you apply
- DSCR loans start at $150,000.
- Flip and ground-up loans need a US citizen or legal resident.
- Lends in 41 states and DC on its February 2026 list; Alabama is DSCR only.
Where our programs differ
- DSCR minimum loan: New Silver $150,000; our program's range is $75,000 to $2,000,000.
- Foreign nationals: New Silver requires US citizenship or legal residence on flips and builds; our programs accept foreign nationals.
- Flip: both publish no experience minimum; New Silver lends up to 90% of cost and 75% of ARV from $100,000, ours up to 90% of price and up to 75% of ARV on loans of $50,000 to $3,000,000.
Neither column is a quote. Every lender prices each deal, and the term sheet you get is what counts. If your deal sits near a limit in either column, send it and we will tell you which side of the line it falls on.
Head-to-heads
Sources
- New Silver: DSCR loans. Read October 24, 2026.
- New Silver: fix and flip loans. Read October 24, 2026.
- New Silver: construction loans. Read October 24, 2026.
- New Silver: company and product summary (llms.txt, last updated Feb. 6, 2026). Read October 24, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.