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Stated Income Commercial Loans/Financing

Stated Income Loans - Best Commercial Loan Rates

Apartment Loan Store has 4 Stated Income Commercial Loan Programs that do not require personal or business tax returns. There is absolutely no statement or verification of personal or business income, no debt to income ratio (DTI) and no W-2 forms or wage statements required. Some of these Commercial Stated Income Mortgages have amazingly low rates.

Our stated income commercial real estate loans are perfect for self-employed investors who due to many legitimate write offs do not show the income required for regulated bank loans.

Stated Income Commercial Loan/ Mortgage Benefits

  • No individual or business tax returns and no k-1’s required
  • No form 4506-T (Allows lender to verify your income with the IRS)
  • No personal or global debt to income ratio
  • No pay stubs or W-2 forms
  • No employment verification
  • No business bank statements
  • 640 Minimum Credit Score, No minimum credit score for some



Agency Loan Program 1

This program is for multifamily only and has a minimum loan of $750,000 and requires a minimum credit score of 680.  No tax returns collected, no debt to income ratio.

Loans Terms and Requirements

Minimum Loan $750,000 680 Minimum Credit Score
80%, 75% with cash out  Minimum Net Worth Equal to Loan Amount
30 year Amortization 1.25 Minimum DSCR
Non-Recourse available 35% Commercial Space Allowed
5 – 30 year Fixed Rates/term Yield Maintenance Prepayment Penalty
No Debt to Income Ratio  9 – 12 months of Post Closing Liquidity Required

Agency Loan Program 2

For multifamily only, this loan program requires a minimum credit score of 660 and has a minimum loan of $1,000,000.  No tax returns collected, no debt to income ratio done. 

Minimum Loan $1,000,000 Minimum Credit Score 660
Up to 80% Loan to Value Net Worth equal to loan size
30 year amortization 9 – 12 months post closing liquidity required
5,7, and 10 year fixed rates No replacement reserves
Converts to an ARM Non-recourse
Interest Only for 1 – 10 years Tax Returns not required
Assumable Step down prepayment available
90% occupancy for 90 days DSCR:  1.20 – 1.25

Securitized Stated Loan Program

For most commercial loan types – minimum loan is $2,000,000.  No tax returns required and  no debt to income ratio calculated. Minimum Credit Score is 660.

Minimum Loan $1,000,000 660 Minimum Credit Score
Maximum Loan $50,000,000 DSCR: 1.25 – 1.35
LTV: Up to 75% Defeasance or Yield Maintenance Prepayment Penalty
5 and 10 year fixed rates & Term Commercial Space Allowed with Multifamily
Non-Recourse Loan is Assumable
30 Year Amortization Multifamily Experience  not required
25 Year Amortization Commercial  Out of State Borrower OK
No Debt to Income/Global Ratio

 Less than 90% occupancy ok

Net worth lower than loan amount ok

Lower post-closing cash requirement

Can do blanket mortgages


No Income Verification Private Loan Program

Loan Amounts $500,000 to $5,000,000 30 year term
LTV up to 75% 25 – 30 year amortization
Multifamily, Mixed Use, Office, Retail, Warehouse, Self-Storage 3 – 8 year fixed rates

Multiple 1 – 4 unit properties can be financed (minimum of 5 units)

No debt to income ratio
650 Minimum Credit Score No tax returns
Recourse Declining prepayment penalty

Getting the right loan and the lowest rate requires wisdom and finesse. If you’re ready to partner with a team of professionals who’ve built a foundation on straight talk and true strategy, we are the loan store for you.


(503) 376-7303     Get a Quote


HUD Loans are one of the best options with the current level of interest rates. For a complete guide to HUD Multifamily Loans please go here:

HUD Multifamily Loans - The Complete Guide