Stated Income Commercial Real Estate

Get a Stated Income Commercial Real Estate Loan

Here at Lending Hub, we have a stated income commercial real estate program for borrowers who don’t have great credit histories or who would rather not fill out mountains of loan paperwork. People often use these loans as working capital or to consolidate their debt or purchase property. It doesn’t matter to us how you use your funds. We are just happy to help you get the financing you need to purchase the real estate you want.

How a Stated Income Loan Is Different From Other Loans

Regular loans are typically approved based almost solely on the borrower’s credit profile. A stated income loan is different. It’s based on the property value of the piece of real estate you’re planning to purchase. To maximize your approval chances, you need to make sure the property you’re preparing to buy is valued sufficiently high to exceed the insurance, taxes, and mortgage associated with it.

Loan Basics

Here are some of the basics you should know about our stated income commercial real estate loans before you decide whether you want to apply.

  • Some properties can qualify for a stated income loan that offers up to 75% loan-to-value (this is also based on the borrower’s credit profile)
  • A minimum credit score of 600 is required to qualify
  • We welcome practically all property types to apply
  • Our loans come with 25-year terms and are amortized
  • We frequently offer loan amounts up to $500,000
  • You’ll receive fixed rates when you qualify for our loans

When you apply, plan to show us some type of self-employment documentation or a W-2. We welcome you to use the funds to purchase property, refinance property, or even consolidate debt. Give us a call to request your application or to get answers to any questions you may still have about our stated income commercial real estate loans.