Stated Income Commercial Loans

statedcommercial_loansThere may be a time, situation or mitigating circumstances that a Borrower may not want to use his tax returns or verify income in order to qualify for a commercial loan. We have a product that does not require tax returns or income verification but based primarily on asset value. However, verifying income could result in better terms. Past bankruptcy is OK.

Small-balance Commercial Properties:

  • Loan Amount: $100,000 – $1,000,000
  • LTV: Up to 65% of the purchase price; up to 50% Refinance, up to 50%
    Cash-Out
  • Property Types: Mixed-use, Office, Multi-family (5 units+), Retail, Warehouse, Storage, Mobile Home Parks
  • Term: 3, 5, 7 year fixed / 25-30 year amortization
  • FICO: 600 minimum

Small-balance Commercial Properties:

  • Loan Amount: $100,000 – $5,000,000
  • LTV: Up to 70% of the purchase price; up to 50% Refinance, up to 50%
    Cash-Out
  • Property Types: Non-owner Occupied Single Family Residential, Mixed Use, Retail, Warehouse, Storage, Mobile Home Parks.
  • Term: 3, 5, 7, years fixed /25-30 year amortization
  • FICO: 650 minimum
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Office: (831) 754-0497

eFax: (408) 413-2210

Hours: 8am - 6pm PST

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