Borrow Based on Real Estate Income

In commercial real estate investing, securing the funds you need to purchase and maintain property is simplified through state income commercial real estate lending. At Business Capital Providers, we offer real estate financing solutions that cut the paperwork in half and streamline the approval process. Receive the funds you need to consolidate debt, refinance outstanding loans, alleviate operating costs and build working capital.

Stated Income Advantages

Unlike traditional bank loans, which have lengthy underwriting and approval processes, stated income financing offers solutions based on future income as opposed to credit history. If you have a credit score of 600 or greater and your property income covers the costs of mortgage fees, taxes and insurance, approval is fast–no additional paperwork needed.

Understanding Stated Income Property Loans

Because stated income financing deviates from conventional loan structures, let’s highlight some of the differences. Unlike traditional business loans, stated income financing provides:

  • Fixed rates and long terms, up to 25 years
  • 75% loan-to-value (LTV) for multi-family dwellings of five or more units
  • 70% LTV for investment properties
  • 65% LTV for commercial, office and retail properties
  • Flexible spending
  • Loans amounting up to $500,000

Typically, you need to provide employment tax documentation, such as a W-2 or 1099 for self-employment, and maintain a credit score of 600 or higher. Larger loans may require better credit standings (700+). Finally, your property must meet the income requirements.

Decide If Stated Income Commercial Real Estate Is Right for You

Looking for a way to fund your next real estate investment? Instead of putting your credit on the line, finance through the future value of your property. Streamline the borrowing process with stated income financing. Fast and easy approval is available for those who qualify. Speak with one of our representatives to receive more information and learn how to turn your real estate investment goals into a reality.