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New Silver alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with New Silver on the core loan terms both lenders publish. Each figure links to the lender page it came from, with the date we checked it.

Read this first

Based on published terms only; rates and pricing aren't compared. Confirm with each lender. A term one side doesn't publish is “not comparable (not published)” and doesn't count either way. Nothing here is a ranking.

At least as flexible on every shared term
5
More flexible on some terms
17
Direct lenders compared
24
Checked
Oct 22, 2026

What New Silver publishes

The terms every alternative below is compared against. Verified from lender's own page on Oct 22, 2026

New Silver published core terms
TermNew Silver
Min credit score660source · Oct 22, 2026
Min DSCR1.15source · Oct 22, 2026
DSCR below 1.0Nosource · Oct 22, 2026
No-ratio optionNosource · Oct 22, 2026
Max LTV (purchase)80%source · Oct 22, 2026
Max LTV (cash-out)Not published
Min loan$150Ksource · Oct 22, 2026
Max loan$3Msource · Oct 22, 2026
STR income methodEithersource · Oct 22, 2026
First-time investorsYessource · Oct 22, 2026
States served42 states/DC listedsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than New Silver on every term both lenders publish, with at least 3 terms in common. ✓ = more flexible, = = the same. Sorted by how many terms can be compared, then how many are more flexible.

Griffin Funding 7 more flexible · 2 same · 9 compared

Griffin Funding compared with New Silver on terms both publish
TermNew SilverGriffin Fundingvs New Silver
Min credit score660620source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
No-ratio optionNoYessource · Oct 22, 2026more flexible
Max LTV (purchase)80%85%source · Oct 22, 2026more flexible
Min loan$150K$100Ksource · Oct 22, 2026more flexible
Max loan$3M$4.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States served42 states/DC listedAll 50 states + DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, Max LTV (cash-out).

Griffin Funding lender pageCompare New Silver and Griffin Funding

Easy Street Capital 5 more flexible · 3 same · 8 compared

Easy Street Capital compared with New Silver on terms both publish
TermNew SilverEasy Street Capitalvs New Silver
Min credit score660640source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
Max LTV (purchase)80%80%source · Oct 22, 2026same
Min loan$150K$100Ksource · Oct 22, 2026more flexible
Max loan$3M$3.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 19, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States served42 states/DC listedAll except ND, SDsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option, Max LTV (cash-out).

Easy Street Capital lender pageCompare New Silver and Easy Street Capital

Uncapco Financial 3 more flexible · 3 same · 6 compared

Uncapco Financial compared with New Silver on terms both publish
TermNew SilverUncapco Financialvs New Silver
Min credit score660660source · Oct 22, 2026same
Min DSCR1.151.00source · Oct 22, 2026more flexible
Max LTV (purchase)80%80%source · Oct 22, 2026same
Min loan$150K$100Ksource · Oct 22, 2026more flexible
Max loan$3M$5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same

Not comparable (not published by one or both): DSCR below 1.0, No-ratio option, Max LTV (cash-out), First-time investors, States served.

Uncapco Financial lender pageCompare New Silver and Uncapco Financial

Kiavi 3 more flexible · 2 same · 5 compared

Kiavi compared with New Silver on terms both publish
TermNew SilverKiavivs New Silver
Min DSCR1.150.80source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
Max LTV (purchase)80%80%source · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States served42 states/DC listedAll except UTsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min credit score, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method.

Kiavi lender pageCompare New Silver and Kiavi

Truss Financial Group 3 more flexible · 0 same · 3 compared

Truss Financial Group compared with New Silver on terms both publish
TermNew SilverTruss Financial Groupvs New Silver
Min credit score660650source · Oct 22, 2026more flexible
No-ratio optionNoYessource · Oct 22, 2026more flexible
Max loan$3M$30Msource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, DSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), Min loan, STR income method, First-time investors, States served.

Truss Financial Group lender pageCompare New Silver and Truss Financial Group

More flexible on some terms

More flexible than New Silver on at least one term both publish, and less flexible or different on others. Both are listed so you can see the trade-off. Showing 8 of 17.

Newfi Wholesale 10 terms compared

  • More flexibleMin credit score: 640 vs 660; Min DSCR: 1.00 vs 1.15; Min loan: $125K vs $150K
  • Less flexibleMax LTV (purchase): 75% vs 80%
  • DifferentStates served: lists 9 states New Silver doesn't, but not 2 states (MA, NY) New Silver lists
  • SameDSCR below 1.0, No-ratio option, Max loan, STR income method, First-time investors
  • Not comparable (not published)Max LTV (cash-out)

Values: Newfi Wholesale first, then New Silver. Sources and check dates are on each lender page.

Newfi Wholesale lender pageCompare New Silver and Newfi Wholesale

America Mortgages 9 terms compared

  • More flexibleDSCR below 1.0: Yes vs No; No-ratio option: Yes vs No; Min loan: $100K vs $150K
  • Less flexibleMin credit score: 680 vs 660
  • DifferentStates served: lists 7 states New Silver doesn't, but not 4 states (IA, NC, VA, DC) New Silver lists
  • SameMax LTV (purchase), Max loan, STR income method, First-time investors
  • Not comparable (not published)Min DSCR, Max LTV (cash-out)

Values: America Mortgages first, then New Silver. Sources and check dates are on each lender page.

America Mortgages lender pageCompare New Silver and America Mortgages

Quickline Capital 9 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.15; DSCR below 1.0: Yes vs No; Min loan: $100K vs $150K
  • Less flexibleMax loan: $2M vs $3M
  • DifferentStates served: lists 9 states New Silver doesn't, but not 1 state (DC) New Silver lists
  • SameMin credit score, Max LTV (purchase), STR income method, First-time investors
  • Not comparable (not published)No-ratio option, Max LTV (cash-out)

Values: Quickline Capital first, then New Silver. Sources and check dates are on each lender page.

Quickline Capital lender pageCompare New Silver and Quickline Capital

Lima One Capital 9 terms compared

  • More flexibleMin loan: $75K vs $150K; States served: All except AK, ND, SD, VT vs 42 states/DC listed
  • Less flexibleMin DSCR: 1.30 vs 1.15; Max LTV (purchase): 75% vs 80%; Max loan: $2.5M vs $3M
  • SameMin credit score, DSCR below 1.0, No-ratio option, STR income method
  • Not comparable (not published)Max LTV (cash-out), First-time investors

Values: Lima One Capital first, then New Silver. Sources and check dates are on each lender page.

Lima One Capital lender pageCompare New Silver and Lima One Capital

Defy Mortgage 9 terms compared

  • More flexibleMin loan: $75K vs $150K
  • Less flexibleMin credit score: 720 vs 660; Max LTV (purchase): 75% vs 80%; Max loan: $2.5M vs $3M; First-time investors: No vs Yes; States served: All except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT vs 42 states/DC listed
  • SameMin DSCR, DSCR below 1.0, STR income method
  • Not comparable (not published)No-ratio option, Max LTV (cash-out)

Values: Defy Mortgage first, then New Silver. Sources and check dates are on each lender page.

Defy Mortgage lender pageCompare New Silver and Defy Mortgage

Logan Finance 9 terms compared

  • More flexibleMin DSCR: 1.00 vs 1.15
  • Less flexibleMin credit score: 700 vs 660; Max LTV (purchase): 75% vs 80%; Max loan: $1.5M vs $3M; STR income method: 12-month history vs Either; First-time investors: No vs Yes
  • SameDSCR below 1.0, No-ratio option, Min loan
  • Not comparable (not published)Max LTV (cash-out), States served

Values: Logan Finance first, then New Silver. Sources and check dates are on each lender page.

Logan Finance lender pageCompare New Silver and Logan Finance

Acra Lending 8 terms compared

  • More flexibleMin credit score: 640 vs 660; DSCR below 1.0: Yes vs No; No-ratio option: Yes vs No; Min loan: $100K vs $150K; States served: All except AK, ND, SD vs 42 states/DC listed
  • Less flexibleMax LTV (purchase): 75% vs 80%; STR income method: 12-month history vs Either
  • SameMax loan
  • Not comparable (not published)Min DSCR, Max LTV (cash-out), First-time investors

Values: Acra Lending first, then New Silver. Sources and check dates are on each lender page.

Acra Lending lender pageCompare New Silver and Acra Lending

theLender 8 terms compared

  • More flexibleMin credit score: 620 vs 660; DSCR below 1.0: Yes vs No; Max LTV (purchase): 85% vs 80%; Min loan: $100K vs $150K; Max loan: $3.5M vs $3M
  • DifferentStates served: lists 9 states New Silver doesn't, but not 1 state (NY) New Silver lists
  • SameSTR income method, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (cash-out)

Values: theLender first, then New Silver. Sources and check dates are on each lender page.

theLender lender pageCompare New Silver and theLender

How this page is built

Lower minimum credit score, minimum DSCR and minimum loan count as more flexible; so do higher max LTVs and max loan, a published “Yes” on DSCR below 1.0, no-ratio and first-time investors, an STR income method that accepts projections where New Silver counts booking history only, and a state list that includes all of New Silver's states plus more. Projection and Either both accept projections, so they count as the same. Referral sources are left out.

New Silver

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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.