New Silver: DSCR loans for short-term rentals
What New Silver publishes about financing Airbnb and vacation rentals. Checked 2026-10-18. Lender website ↗
Published STR loan terms
- How STR income is counted
- Either: Accepts booking history or a projection, depending on the deal.
- Details
- Market rent addendum and/or STR valuation such as AirDNA on new purchases; refinances require rental history (12 months to count as occupied).
- Minimum credit score
- 660
- Minimum DSCR
- 1.15
- DSCR below 1.0 allowed
- No
- No-ratio option
- Not published
- Max LTV (purchase)
- 80%
- Max LTV (cash-out refi)
- Not published
- Minimum loan
- $150K
- Maximum loan
- $3M
- Prepayment options
- Not published
- States served
- 42 states/DC listed (From the areaServed list in the DSCR page's structured data.)
- First-time investors
- Yes
- Channel
- Direct lender
Notes: STR program: min DSCR 1.15x, reserves 6 months PITIA (+6 if loan > $2MM), min loan $150K. General Rent product lists 0.75 min DSCR and 'Prior Experience Required: No'.
Sources
- https://help.newsilver.com/en/articles/10905757-how-does-a-short-term-rental-str-program-work (checked 2026-10-18)
- https://newsilver.com/dscr-loan/ (checked 2026-10-18)
- https://newsilver.com/dscr-loan/short-term-rental-loans/ (checked 2026-10-18)
"Not published" means we did not find the figure on the pages above. It does not mean the lender lacks a policy. Ask the lender.
Does it serve your state?
- Florida: Yes
- Texas: Yes
- Georgia: Yes
- Tennessee: Yes
- North Carolina: Yes
- Arizona: Yes
- California: Yes
Check a deal against New Silver
Run your numbers in the DSCR calculator. It shows which lenders' published minimums your deal clears.
Similar lenders (Either)
Not lending advice. Not a broker. STR Lender Watch is an independent research site. We do not make loans, arrange loans, take applications, or recommend any lender. Figures are summarized from each lender's own public pages on the date shown and can change without notice. Rate figures are estimates, not quotes. Talk to a licensed loan officer and your own advisors before making decisions.