New Silver Overview
New Silver is an AI-powered real estate investment lending platform that has reimagined the loan application and approval process. Founded on the belief that investment property lending should be as fast and transparent as buying a stock, New Silver uses artificial intelligence and automated underwriting to deliver near-instant loan decisions and a streamlined closing process.
New Silver's platform allows investors to complete a loan application in approximately 5 minutes and receive a preliminary approval decision almost immediately. This level of speed is possible because New Silver's algorithms analyze property data, market conditions, and borrower profiles in real-time, eliminating much of the manual underwriting that slows down traditional lenders.
New Silver offers fix-and-flip, bridge, and DSCR loans for investors nationwide. Their technology-first approach appeals to a new generation of investors who expect the same seamless digital experience in lending that they get from modern fintech platforms. The company has funded hundreds of millions in investment property loans and continues to push the envelope on what technology can do in the lending process.
Loan Products Offered
- Fix-and-flip loans — AI-underwritten purchase and rehab financing
- Bridge loans — short-term transitional financing with automated approval
- DSCR rental loans — long-term 30-year financing for stabilized rentals
- Ground-up construction — financing for new builds
Rates and Terms
New Silver offers fix-and-flip loans at competitive market rates, typically in the 9.5% to 12% range depending on LTC, credit score, and borrower experience. DSCR loans are priced in the 7% to 8.5% range with 30-year fixed and ARM options.
Fix-and-flip leverage ranges up to 90% of purchase and 100% of rehab costs for experienced borrowers. DSCR loans offer up to 80% LTV on purchases and 75% on cash-out refinances. Bridge loan terms are typically 12-24 months.
The real differentiator is process speed. The 5-minute application and near-instant decision mean you can get a preliminary yes or no before you have even left the open house. Formal closings still take 7-14 days for fix-and-flip and 21-30 days for DSCR, but the upfront speed of decision-making is unmatched.
Requirements
- Minimum credit score: 650 for most products
- Minimum DSCR: 1.0 for rental loan products
- Down payment: 10-25% depending on product and experience
- LTV/LTC: Up to 90% LTC on fix-and-flip, up to 80% LTV on DSCR
- Property types: Single-family, 2-4 unit, townhomes, condos
- Application: Fully digital — no in-person meetings required
Pros
- 5-minute application with near-instant preliminary approval
- AI-driven underwriting eliminates manual delays
- Fully digital process from application through closing
- Transparent pricing with no hidden fees
- Competitive leverage on fix-and-flip products
- Modern technology platform with real-time deal tracking
Cons
- Newer platform with a shorter track record than established lenders
- AI-driven approvals may not accommodate complex or unusual deal structures
- DSCR rates are mid-market, not the lowest available
- Less personal relationship compared to traditional lender teams
Who Is New Silver Best For?
New Silver is ideal for tech-savvy investors who want the fastest possible path from "I found a deal" to "I have financing." If you are an active investor who evaluates multiple properties per week and needs instant feedback on whether a deal is financeable, New Silver's AI platform delivers that instantly. The 5-minute application removes the friction of traditional loan applications.
New Silver is also a good fit for investors who prefer a fully digital experience. If you are comfortable managing your lending relationship through a web platform rather than phone calls and email chains, New Silver's modern interface will feel intuitive. Their platform provides real-time tracking of your loan status, draw requests, and documentation requirements.
How to Apply
Visit New Silver's website and start a loan application. The entire preliminary process takes about 5 minutes — enter your property details, deal structure, and basic borrower information. New Silver's AI will analyze the deal and provide a preliminary approval with rate and term estimates almost immediately.
If you accept the preliminary terms, you will move into the formal underwriting process, which involves document upload, appraisal ordering, and title work. Fix-and-flip loans can close in 7-14 days, while DSCR loans take 21-30 days. The platform guides you through every step with clear status updates.