Empower Your Portfolio With a Stated Income Loan

As your property investment portfolio grows, you need to be able to access a wider range of tools to ensure your lending fits the needs of each new investment. Eventually, that means gaining access to the tools you need to consolidate and leverage your equity so that you can manage risk across all your investments. When that time comes, the stated income commercial real estate loan provides those tools through a simple loan with amortizing payments and a fixed interest rate.

What Makes a Stated Income Loan Different?

While conventional commercial real estate loans provide you with the ability to make property purchases with long-term loans that simplify your month-to-month overhead. Those loans are valued according to the purchase price of the properties, which makes sense for loans to facilitate purchases, especially if the properties are going to be used as company facilities.

When your investment portfolio is built around income properties, the stated income loan allows your buildings to be valued by their earning potential, so they make sense for businesses and individuals invested in income properties. They also allow cash-out refinancing, so you can use one building to finance the renovations in another. Use your most successful properties to finance new purchases, and manage your investment risk like never before.

Program Parameters

  • Funding for buildings valued at up to $5 million
  • W-2 or self-employment verification
  • Credit score of 600 or higher
  • Up to 65 percent LTV for commercial properties
  • Up to 70 percent LTV for 1-4 unit residential properties
  • Up to 75 percent LTV for 5+ unit residential properties
  • Properties can not be owner-occupied

If you have a diverse portfolio and you are looking for ways to better leverage your existing equity, call Texas Funding and Consulting today for more information about stated income commercial real estate loans. Refinance, cash-out refinance, or fund your next purchase, these loans are flexible.