Stated Income Loan Program
We have several stated income business loans or No Income Verification Loan Programs. Listed below are two of our most common programs.
We are a company that can provide small balance commercial loans from $100k to $5 million. No doc investment property loans are avaiable with the stated income loan program. We specialize in a STATED INCOME DOC loan for 1-4 unit investment and commercial properties. With just a minimum mid fico of 640, you can get up to 75% LTV max with absolutely NO INCOME NO ASSETS verified except for purchase. We would need to verify 3 month seasoning for down payment or else we add 5% to the LTV. We believe this would be a helpful investment tool for some of your clients to meet their investment property financing needs. We are between institutional bank and hard money financing. We offer a more cost effective financing solution versus traditional hard money.
NO INCOME VERIFIED
NO ASSETS VERIFIED
NO TAX RETURNS
NO CPA LETTER
NO PAY STUBS
NO YTD PROFIT & LOSS
NO 12-24 MONTHS BUSINESS BANK STATEMENTS
NO BALLOON PAYMENT
NO MAXIMUM NUMBER OF PROPERTIES OWNED
NO EMPLOYMENT VERIFICATION
MINIMUM 640 MID FICO
OK for 1-4 UNITS, CONDOS, PUDs, MIXED USE, 5+ UNITS, COMMERCIAL
OK FOR SALARIED/W2’D BORROWER
We can’t do stated income for:
NO STATED INCOME LOAN for 1-4 unit residential investment properties in the following states : AK, IL, MI, MN, ND, SD, NH, OR, VT, IA
NO STATED INCOME LOAN for Mixed use/Multifamily/Commercial properties in the following states : IL, MI, ND, SD, TN, VT
UP TO 5 MILLION (Loan may be higher, case by case)
LESS THAN PREFECT CREDIT
NO DOC OR STATED DOC (Case by case)
NEED 4 MOS RESERVES (Can be 401k or retirement funds)
ALL DOWN PAYMENT CAN BE GIFTED
UP TO 75% LTV (Can be 100 CLTV-Ask for more details)
RESIDENTIAL AND OR COMMERCIAL DEALS
*NOTE WE DO LEND ON A CASE BY CASE. PLEASE SEND US YOUR APPLICATION FOR REVIEW. WE BELIEVE THAT EVERY DEAL MAY BE FUNDABLE.
WE TRY TO MAKE ALL CASES WORK.
We can lend up to 100% CLTV (Combined Loan To Value). Ask for more details on how we can help you leverage your buying power.
Call with questions at 1-888-999-1493
Here is the 1003 application in pdf form. Please fill it out and attach to the form below. Click here!
Once you are done filling out the application please upload below.
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