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.
What are stated income commercial real estate loans?
These loans don’t require full income documentation.
You don’t need to hand over tax returns or W-2s. Instead, the lender evaluates the deal based on the property’s value and your equity. These loans fall under the broader category of “alternative documentation” loans, designed for situations where your actual cash flow isn’t well captured by traditional income docs.
How stated income loans work
You state your income (or present a simplified view of it), and the lender underwrites around:
the asset and requested leverage (LTV) cash-to-close and reserves the business plan and exit (refi or sale)
Eligibility and qualification requirements
Most stated-income CRE lenders still want:
- acceptable credit and clean background checks
- liquidity/reserves visible in bank statements
- a credible exit plan (refi or sale)
- a property that supports the requested LTV
Property types and loan-to-value options
You’ll see programs for multifamily, office, retail, industrial, storage, and mixed-use. But loan-to-value (LTV) ratios vary — better properties in strong markets get higher LTVs. If the property needs rehab or is in a less desirable area, expect a lower LTV.
Benefits of stated income commercial real estate financing
- Faster approvals
- Workable for self-employed/complex income scenarios
- Useful for transitional properties
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.
Frequently Asked Questions
Can you get a loan with stated income?
Yes. It’s common in private/alt-doc lending. They’re used when full tax documentation doesn’t reflect the borrower’s real income or cash flow, which is common for self-employed investors or those with complex finances.
Are stated income loans illegal?
No. What’s illegal is lying on a loan application.
What is the difference between full doc and stated income?
Full doc relies on full income verification in the form of tax returns, W-2s, paystubs, and detailed financials. Stated income relies on reduced/alternative documentation. What you need to show instead is that you have enough cash to close and a solid plan to pay the loan back.
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.
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