Stated income loans
Stated income. Real estate first.
For business-purpose and investment property loans, we start with the property, your equity and your exit, not a stack of tax returns.
Who it's for
For income that doesn't fit a box
- Self-employed borrowers whose tax returns understate what they earn
- Business owners with income that runs through the company
- Real estate investors growing a portfolio
- Entertainment and other non-traditional income earners
Stated income is for business-purpose and investment property loans only. Owner-occupied home loans require income documentation. We accept bank statements and other alternative documentation.
Stated income options available for business-purpose and investment loans only. All loans subject to underwriting and property evaluation. Not all applicants will qualify.
What we look at
The property
Type, condition, use and current market value.
The equity
Down payment or equity position and any liens ahead of us.
The exit
Sale, refinance or another defined payoff source.
Program highlights
$150K–$5M
Loan range
Up to 65%
Max LTV
10 days
Average close
Subject to underwriting and property evaluation. Not all applicants will qualify.
Questions
Straight answers
Do you offer stated income loans?
Yes, on business-purpose and investment property loans. Owner-occupied loans require income documentation, and we accept alternatives like bank statements.
Can I qualify with a past bankruptcy or low credit score?
Often, yes. We focus on the property, your equity, and your exit plan. Every file is reviewed individually and approval is not guaranteed.
Who makes the decision on my loan?
Our in-house underwriting team. No outside committees.
Can I use stated income on the home I live in?
No. Owner-occupied loans require income documentation. Bank statements and other alternative documentation are accepted, subject to underwriting.
How fast do I hear back?
Get your terms in 24 hours.
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Subject to underwriting and property evaluation. Not all applicants will qualify.