Flexible financing solutions for residential investment properties including Single-Family , Condos, non-warrantable condos, Townhomes, and Short-Term Rentals with alternative qualification options designed for real estate investors.
Residential property loans provide financing for investors purchasing, refinancing or cashing out 1-4 unit residential properties, including non-traditional investments like short-term rentals, condotels, and non-warrantable condos. Unlike conventional mortgages, these investor-focused loan programs offer flexible underwriting with multiple qualification pathways—from bank statement programs to foreign national options—designed specifically for real estate investors who may not qualify through traditional lending channels.
Silver Capital Funding specializes in non owner occupied residential investments financing with creative loan programs that focus on property performance and asset strength rather than traditional income documentation. Whether you’re self-employed, a foreign national investor, or building a short-term rental portfolio, we have specialized programs to fund your investment goals quickly and efficiently.
Talk to a dedicated funding manager for a free consultation to structure the perfect loan and ensure the best terms for your investment.
Self-Employed borrowers qualify with most recent two years 1099s and YTD bank statements
Qualify Self-Employed borrowers with 12 months bank statements in lieu of tax returns. No 1040s, 1120s, K1s, or IRS transcripts
Qualify with enough liquid assets to cover the loan balance
borrowers who live and work outside of the US with no US citizenship status. No income, job, or credit required . 1-4 units allowed , Condotels/Pudtels and Short-term Rentals allowed. Non-Owner Occupied only
Borrower is only required to pay the interest portion owed each month for a period of time
Borrower is only required to pay the interest portion owed each month for a period of time
- Expand your footprint with our business purpose loans. Qualify cash flow . Condotels/Airbnb/Daily Rentals allowed
Individual Taxpayer Identification Number. Qualify WVOE and one month bank statement reflecting ACH direct deposits from employer, Self Employed 12 months Personal or Business bank statements, ATR in Full/Asset Depletion
qualify ITIN full doc or self-employed bank statements and DSCR financing up
Cash out available with no max cash in hand depending on LTV Foreign National , Qualify with all programs, No reserve requirements ≤ 75% LTV
Wage Earners can qualify with a WVOE only, no paystubs or bank statements. Condotels Manufactured Homes ,Short-Term Rentals, Rural Properties
Self-Employed borrowers qualify with a 12 month Profit and Loss, 3 months bank statements required. Income Docs: Licensed Tax Preparer prepared P&L on Licensed Tax Preparer’s letterhead (1 year + YTD)
A hybrid property that combines the ownership of a condominium with the option to rent out units like a hotel. Resort, Airbnb, Daily Rentals acceptable
Follow our simple three-step process to review your goals, select your program, and secure funding efficiently.
Fill up the application form to get started. Simply submit your initial details to begin the funding process immediately.
We review your goals and present you with programs matching your needs, getting you an offer in 24 hours.
Choose the program that fits you best and receive your funding within 48 hours of making your final selection.
