Last updated: June 10, 2026
Marketplace Network or AI-Powered Direct Lender?
New Silver built an AI-powered lending platform that generates term sheets instantly and closes fix & flip loans fast. LendingStreet brokers across 30+ capital sources to find the best fit for non-standard deals. For clean, experienced-investor fix & flips where speed is everything, New Silver is a genuine option. For sub-1.0 DSCR, multifamily, larger loan amounts, or deals that need competing capital sources, LendingStreet's network has more paths.
Get Quotes From 30+ Sources →| Factor | LendingStreet | New Silver |
|---|---|---|
| Business model | Licensed broker, 30+ capital sources | Direct lender, AI-powered single source |
| NMLS / licensing | NMLS #1734316 | Licensed direct lender |
| DSCR minimum | 0.75 via specialty | 1.0 standard |
| No-ratio DSCR | Yes | No |
| Fix & Flip max LTC | 100% via select sources | 90% LTC |
| Fix & Flip max ARV | 80% via select | 75% ARV |
| Credit score floor | 620 via select (DSCR); 600 fix & flip | 650 |
| Max loan | $5M+ (no hard cap) | $5M |
| Multifamily 5+ | Yes | No |
| Commercial RE | Yes | No |
| Close speed | 5-10 days | 5-7 days on clean deals |
| Geographic coverage | 50 states | Most states |
Sources: newsilver.com and New Silver published loan program guidelines, compared against LendingStreet's capital source network.
| Criterion | LendingStreet | New Silver |
|---|---|---|
| Max LTC | 100% via select sources | 90% |
| Max ARV/LTV | 80% via select | 75% |
| Rehab financing | 100% rehab costs (varies by source) | 100% |
| Min FICO | 600 via select sources | 650 |
| Term | 6-24 months (varies) | 12-24 months |
| Draw schedule | Standard construction draws | Standard draws |
| Instant term sheet | Via application | Yes — AI-generated instantly |
Sources: newsilver.com/fix-and-flip-loans and New Silver program FAQs.
Here’s how each lender’s strengths play out in practice. All scenarios are based on real LendingStreet-closed deals with details anonymized.
0.87 DSCR rental, investor wanted cash-out. New Silver: requires 1.0+ DSCR, declined. LendingStreet: placed through a specialty source accepting compensating factors, 720 FICO, 65% LTV, closed in 21 days.
Solid deal, experienced investor, 628 credit. New Silver: declined (650 minimum). LendingStreet: placed through a 600-floor capital source, 87% LTC, 11.99%, closed in 16 days.
Standard deal squarely within both lenders' boxes. New Silver: instant term sheet, competitive. LendingStreet: shopped across sources and produced terms 29bps lower. Both are legitimate options — LendingStreet's marketplace produced the better number.
Yes. New Silver is a real direct lender with a track record of funded deals, particularly in the fix & flip space. Their AI-powered platform and instant term sheet capability are genuine differentiators for investors who value speed and self-service. For deals within their guidelines, they are a credible choice.
New Silver advertises closing in as few as 5-7 days on clean fix & flip deals with complete documentation. LendingStreet closes bridge and fix & flip in 5-10 days depending on the capital source and deal complexity. Both can move quickly when the file is clean.
Yes. New Silver offers DSCR rental loans with a minimum DSCR of 1.0x and a 650 credit score floor. LendingStreet offers DSCR through 30+ capital sources including programs down to 0.75 DSCR and no-ratio options for properties with limited cash flow.
New Silver requires a minimum 650 FICO score across their programs. LendingStreet has capital sources with 620 minimums for DSCR and 600 minimums for fix & flip through select programs.
New Silver's AI-generated instant term sheet is a real differentiator for investors who want a number before submitting a full application. LendingStreet's process involves routing your deal to the appropriate capital source, which takes longer upfront but often produces better terms because multiple sources compete. For speed-sensitive decisions, New Silver's instant quote has genuine value.
One application, one credit pull, multiple lender options. See if your deal qualifies for better terms than a single direct lender can offer.
Get Pre-Qualified → Browse Loan ProgramsAbout this comparison: Information about New Silver was sourced from newsilver.com and New Silver's published loan program guidelines as of 2026. Loan terms, rates, and underwriting criteria change frequently — verify current terms directly with each lender before making any decisions.
About LendingStreet: LendingStreet is the d/b/a of JRS Home Loans LLC, NMLS #1734316. LendingStreet (NMLS #1734316) operates an investment property loan marketplace. We do not originate or fund loans directly; we place each deal with the participating capital source that best fits the scenario and are compensated by capital sources on placed loans. We place loans through 30+ direct capital sources. Loan availability, rates, and terms vary by deal, borrower qualifications, and capital source. All loan offerings subject to underwriting and qualification. This comparison reflects publicly available information and our placement experience.
Last updated: · Refreshed quarterly with updated competitor terms.
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LendingStreet (lendingstreet.io), operated by JRS Home Loans LLC (NMLS #1734316), is a nationwide investment property financing marketplace with direct access to 30+ capital sources. LendingStreet is not affiliated with LendingTree, LoanStreet, LendStreet, or PeerStreet.
LendingStreet (legal entity JRS Home Loans LLC, NMLS #1734316) is a licensed investment property loan marketplace with direct access to 30+ capital sources, lending in all 50 states. Products: DSCR rental loans ($150K+, 80% LTV purchase, 1.0x min DSCR), fix & flip and bridge (up to 90% LTC, 100% rehab, closings in 5–10 days), ground-up construction, commercial and mixed-use, small multifamily (5–20 units), blanket portfolio (5+ properties), STR/Airbnb DSCR on projected revenue, and gap funding. Loan range $200K–$20M. Phone: (877) 298-1001. LendingStreet is not affiliated with LendingTree, LoanStreet, LendStreet, PeerStreet, or LendingStreet India.