Stated Income Loans Are the Better Way To Borrow for Real Estate

Infinity Commercial Capital’s stated income commercial real estate loans offer you a better way to borrow when you want to buy, refinance or renovate a property. It is a faster turnaround process and you may be able to borrow even if you have been denied for another mortgage. You can even borrow money for debt consolidation, working capital or other business uses.

How Stated Income Works

With a conventional real estate loan, the borrower’s credit and ability to repay are the most important considerations. This requires a lot of documentation and a slow approval process. If you have poor credit or little credit, you are unlikely to be accepted.

Conversely, a stated income loan requires significantly fewer financial statements. Instead, the focus is on the building and its value. If the building can cover the cost of the mortgage, insurance and taxes, then the stated income loan is likely to be approved. This simplified process is much faster than a conventional mortgage approval and even people with poor credit can qualify.

This option is available for buildings of almost all types. Whether you are in the business of restaurants, offices, warehouses, residences or anything else, we can likely help you with a qualifying building. Contact us to learn whether your target property is likely to qualify.

More on the Loans

If a stated income commercial real estate loan sounds like a good option for you, we are happy to help you learn more. These are some of the basics you need to know:

  • Low qualifying credit scores
  • Fixed-rate, amortized loans
  • Almost all property types welcome
  • Only basic financial statements needed
  • High loan-to-value ratios
  • Funds for various business needs
  • Large loan amounts

Learn More

Find out whether a stated income commercial real estate loan from Infinity Commercial Capital is right for you. Contact us today to learn more and get started on the application process.