New Silver vs Quickline Capital
What each lender publishes about financing short-term rentals, side by side. New Silver: 42 states/dc listed. Quickline Capital: all 50 states.
The short version
- New Silver accepts STR history or a projection; Quickline Capital qualifies STR income on a projection.
- Both publish a 660 minimum credit score.
- Both publish a 80% max purchase LTV.
- Only Quickline Capital publishes a max cash-out LTV (75%).
- Quickline Capital has the lower minimum loan ($100K vs $150K).
- Quickline Capital has the lower minimum DSCR (0.75 vs 1.15).
- New Silver allows first-time investors; Quickline Capital allows them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | New SilverDirect lender | Quickline CapitalLender |
|---|---|---|
| STR income method | Either Lender sources · checked Oct 18, 2026 | Projection Lender sources · checked Oct 18, 2026 |
| STR income details | Market rent addendum and/or STR valuation such as AirDNA on new purchases; refinances require rental history (12 months to count as occupied). See lender sources | Uses AirDNA Rentalizer projections to qualify properties not yet operating as STRs. See lender sources |
| Min credit score | 660 newsilver.com · checked Oct 19, 2026 | 660 quicklinecapital.com · checked Oct 19, 2026 |
| Min DSCR | 1.15 help.newsilver.com · checked Oct 19, 2026 | 0.75 quicklinecapital.com · checked Oct 19, 2026 |
| DSCR below 1.0 | No Lender sources · checked Oct 18, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| No-ratio option | No help.newsilver.com · checked Oct 19, 2026 | Not published |
| Max LTV (purchase) | 80% newsilver.com · checked Oct 19, 2026 | 80% quicklinecapital.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | Not published | 75% quicklinecapital.com · checked Oct 19, 2026 |
| Min loan | $150K help.newsilver.com · checked Oct 19, 2026 | $100K quicklinecapital.com · checked Oct 19, 2026 |
| Max loan | $3M newsilver.com · checked Oct 19, 2026 | $2M quicklinecapital.com · checked Oct 19, 2026 |
| Prepayment | Not published | Not published |
| States served | 42 states/DC listed From the areaServed list in the DSCR page's structured data. Lender sources · checked Oct 18, 2026 | All 50 states Quickline's own pages disagree: the STR page says all 50 states, the home page says 45 states and the DSCR rental page says 43 states. None lists which states. Confirm for your state. Lender sources · checked Oct 18, 2026 |
| First-time investors | Yes Lender sources · checked Oct 18, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| Channel | Direct lender | Lender |
| Last verified |
More comparisons
Free · Weekly
- Where the 10-year Treasury moved and what it means for STR loan pricing
- Lender term changes flagged on the lenders' own pages
- A short, plain-English STR financing explainer
No spam, unsubscribe anytime. Form not loading? Subscribe here.
Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.