Stated Income Commercial Real Estate Loan
Your direct stated income loan lender for Commercial Real Estate.
No tax return & No W-2’s required. Get an easy low document loan
in the shortest period of time.
10000+
Loans
150+
Clients
$100M
Funded Loans
Commercial Stated
Income Loans
One of the most popular options in commercial real estate financing is the stated income loan, which is generally easier to obtain than traditional financing. That’s because stated income commercial lenders do not require tax returns and W-2s.
You probably already know that banks strictly require a long list of documents and proofs of income when investment properties are involved. This is why many CRE investors who can’t produce supporting documentation are unable to qualify for bank loans.
Loan Amounts range $1 Million to $50 Million
Minimum Credit Score 650+
No Tax Returns
No W-2’s
Easy Qualify
No Checking Account Statements Needed
Eligible Commercial Properties:
Multi-Family
Office
Retail
Luxury Residential
Urban Land
Light Industrial
Self-Storage
Eligible Commercial Transactions:
Property Improvements
Working Capital
Refinancing
Debt Consolidation.
Why choose Private
Capital Investors?
We offer a wide range of loan options, including commercial stated income loans. We are verified direct lenders and have the power to provide you with flexible loan terms.
Our commercial mortgage loan team works closely with you to understand the pros and cons of commercial real estate property based on your unique situation and suggest the best CRE loan options that suit your needs.
Private Capital Investors is an established and well-known direct private commercial lender in the commercial real estate industry. We have a large number of private stated income commercial lenders in Dallas, Houston, Denver, Massachusetts, Miami, Phoenix, and Florida.
Rates as low as 7.59%
Nationwide Lending
24 – 48 Hours Approvals
Funding as little as 14 days
Stated Incomes, No Financials required
Excellent Customer Service
Common Sense Underwriting
Our Recent Closings
Refinance 2800 Farm
Fergus County, MT | $8,700,000
Office/Industrial
Leander TX | $7,200,000
Light Industrial Warehouse
Dallas TX | $7,500,000
Stated Income Commercial Real Estate Loans With Private Capital Investors
Overview and Why Investors Choose Private Lenders
Approval for stated-income loans is based more on the borrower’s capacity to run and maintain the property than on strict proof of income.
This concept provides a route to capital that traditional lenders frequently reject for self-employed borrowers, real estate entrepreneurs, and investors with variable income.
Eligible Commercial Property Types
A variety of properties can be financed through stated-income systems, such as:
- Office buildings
- Retail properties
- Mixed-use assets
- Industrial facilities
- Warehouses
- Multifamily residences
Benefits for Investors
Investors are drawn to this kind of loan because it provides:
- Quick approvals
- Minimal requirements for documentation
- A workable option for borrowers who work for themselves or have irregular income
- Availability nationwide in a variety of real estate markets
Who can qualify?
Commercial real estate investors, those without standard income records, real estate entrepreneurs, and, depending on lender policies, foreign nationals are typical qualifying borrowers.
Basic Requirements
To begin, investors typically need to provide information on the property, its intended use, the loan amount, the results of a current appraisal, and asset verification to demonstrate their financial capacity.
Loan Features
Competitive interest rate ranges, loan sizes, LTVs up to private-lender limits, and both fixed and ARM structures are standard features of lending programs by Private Capital Investors. To help with early-stage cash flow, specific lenders could also provide interest-only terms.
How to Apply?
Applicants should prepare essential documentation, including bank statements, property rent rolls, credit information, and a detailed investment plan outline.
Lenders still use a simple appraisal method to confirm property value, borrower assets, and deal viability, even with minimum documentation.
Frequently Asked Questions
Can you get a loan from a private lender with stated income?
Yes. We, as direct private lenders, offer loans based on assets, credit, and property performance rather than tax returns.
What is proof of stated income?
Bank statements, asset summaries, and a borrower’s declared income, backed by sound financial standing, are examples of proof in the context of commercial stated-income loans.
Will I be required to show my tax returns?
No. You don’t even have to worry about your debt-to-income ratio being reviewed.
I filed for bankruptcy a while back. Will I still qualify?
As long as your bankruptcy was at least 2 years ago, it shouldn’t be a cause for concern.
What if my credit isn’t perfect?
Our commercial stated income loans will still make you qualify with a mid-score of as low as 650.
How much can I get?
We are the direct CRE lenders that can lend anywhere from $1 million to $50 million.
Qualifying for a stated income loan shouldn’t be complicated. To learn more, don’t hesitate to get in touch with us! We offer a no-obligation mini-application to help you understand the process.
Do you verify source income?
Usually, we perform only minimal verification. In a stated income commercial real estate loan, property value, borrower assets, and credit are prioritized over conventional income checks.
What disqualifies you from getting a stated-income/No-Doc commercial real estate loan?
A borrower may not be eligible for commercial stated-income loans due to poor credit, insufficient assets, or an undervalued property, all of which are key factors that stated income commercial lenders carefully evaluate.
Want to learn more? Get in touch with us today.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road Suite 1050 Dallas, TX 75201
Phone:
972-865-6206
Email:
info@privatecapitalinvestors.com