Stated Income Commercial Real Estate Loans

Stated Income Commercial Real Estate LoansIf you are buying or refinancing commercial property, our stated income commercial real estate product, can provide a convenient alternative to conventional loans.

We offer these loans based on the value of the real estate, rather than your current credit. This leads to a simplified and streamlined qualification process.


This Loan Product is right for you if:

  1. You’ve been turned down by traditional banks (local, regional, etc.)
  2. You’re wishing to refinance out of a higher-rate, shorter-term bridge financing
  3. You cannot document income on tax returns
  4. You have properties that are recently stabilized
  5. You need a significant cash-out request
  6. You’re an Out-of-state investor
  7. You’re property has no seasoning on title

Loan Structure

Our stated income loan values range from $25,000 to $5 million. You may be eligible for this financing if you have a credit score greater than 600 and can provide a W-2 or proof of self-employment. Depending on the property, you may qualify for the following amounts of financing:

  • Up to 80 percent of the LTV ratio for mixed-use property and multifamily residences with at least five units
  • Up to 70 percent of the LTV ratio for properties with up to four units that are not owner-occupied
  • Up to 65 percent of the LTV ratio for other properties, including self-storage, auto repair, retailers, offices and warehouses
  • Can fund within two to three weeks.