PIR

Defy Mortgage vs New Silver

Rates as of June 17, 2026

Estimated DSCR loan rates compared across 24 borrower scenarios. On lowest estimated rate, Defy Mortgage wins more scenarios (22 of 22).

Illustrative sample data. These figures show how the comparison works — they are notlive lender pricing. Real DSCR rate sheets are broker-gated; we publish live rates only once a lender’s sheet is verified. This page is not indexed by search engines until then.

Defy Mortgage

22 scenarios lowest

Min DSCR
1
Max LTV
80%
Min FICO
660
Full Defy Mortgage profile →

New Silver

0 scenarios lowest

Min DSCR
1
Max LTV
80%
Min FICO
660
Full New Silver profile →

Rate by scenario, side by side

ScenarioDefy MortgageNew SilverLower
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR7.275%7.400%Defy Mortgage
Purchase · 80% LTV · 720 FICO · 1.10 DSCR · SFR8.025%8.150%Defy Mortgage
Cash-Out Refi · 70% LTV · 760 FICO · 1.30 DSCR · SFR7.025%7.150%Defy Mortgage
Purchase · 75% LTV · 700 FICO · 1.00 DSCR · Condo8.275%8.400%Defy Mortgage
Purchase · 65% LTV · 780 FICO · 1.50 DSCR · SFR6.900%7.025%Defy Mortgage
Cash-Out · 75% LTV · 720 FICO · 1.20 DSCR · 2-4 Unit7.900%8.025%Defy Mortgage
Purchase · 70% LTV · 740 FICO · 1.25 DSCR · SFR · No Prepay8.025%8.150%Defy Mortgage
Purchase · 80% LTV · 680 FICO · 1.00 DSCR · SFR8.900%9.025%Defy Mortgage
Rate/Term Refi · 75% LTV · 760 FICO · 1.35 DSCR · SFR7.400%7.525%Defy Mortgage
Purchase · 75% LTV · 720 FICO · 0.75 DSCR · SFR (Low Coverage)8.400%8.525%Defy Mortgage
Purchase · 70% LTV · 700 FICO · 1.15 DSCR · 2-4 Unit8.025%8.025%—
Cash-Out · 70% LTV · 740 FICO · 1.25 DSCR · Condo7.275%7.525%Defy Mortgage
Purchase · 60% LTV · 780 FICO · 1.40 DSCR · SFR · Jumbo7.150%7.275%Defy Mortgage
Purchase · 75% LTV · 660 FICO · 1.10 DSCR · SFR8.775%8.900%Defy Mortgage
Purchase · 80% LTV · 760 FICO · 1.20 DSCR · SFR · Small Balance8.400%8.525%Defy Mortgage
Cash-Out · 65% LTV · 720 FICO · 1.30 DSCR · SFR7.275%7.400%Defy Mortgage
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · Condo · 3yr Prepay7.650%7.900%Defy Mortgage
Rate/Term Refi · 70% LTV · 700 FICO · 1.20 DSCR · SFR7.775%7.775%—
Purchase · 80% LTV · 740 FICO · 1.10 DSCR · 2-4 Unit8.025%8.150%Defy Mortgage
Purchase · 70% LTV · 760 FICO · 1.25 DSCR · SFR · $1M+7.275%7.400%Defy Mortgage
Cash-Out · 75% LTV · 680 FICO · 1.05 DSCR · SFR8.525%8.650%Defy Mortgage
Purchase · 65% LTV · 740 FICO · 1.35 DSCR · Condo7.275%7.525%Defy Mortgage
Purchase · 75% LTV · 720 FICO · 1.20 DSCR · SFR · 3yr Prepay7.900%8.025%Defy Mortgage
Purchase · 80% LTV · 700 FICO · 1.00 DSCR · Condo8.650%8.775%Defy Mortgage

Estimated, not a quote. Rates are computed from a base index plus illustrative lender adjustment grids and are not offers. Actual terms depend on the lender, property, and your full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.

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