Stated Income Loans for Your Next Real Estate Purchase

When you are in the business of managing commercial properties, you need to invest well, but you also need to choose your financial products well, because your success is not only tied to your ability to choose buildings that you can get value out of. It’s also tied very closely to the way you manage your cash and keep your overhead structured to work with your income. That’s why you need to use a variety of commercial real estate products when you purchase. It’s also why you need options that let you move money around your portfolio, like stated income commercial real estate loans.

How Stated Income Loans Work

Stated income loans are based on your property’s actual earning potential, not on its market resale value. That means they are a better estimate of your building’s actual earnings, and they also reflect the way you value the property. Since they are structured in this way, they can be used for acquisitions or refinancing projects just like regular real estate loans. They can also be used to perform a cash-out refinance, allowing you to get money to put to work elsewhere in your portfolio.

Program Parameters

When you work with Prime Start Capital, you gain access to a strong, nationally-based program with the following features:

  • Financing for those with a credit score at or above 600
  • W-2 or self-employment verification for income
  • Up to 75% LTV for 5+ unit residential properties
  • Up to 70% LTV for 1-4 unit residential properties
  • Up to 65% LTV for commercial properties like warehouses and storefronts
  • Up to 25 year terms

When you need to make a long-term investment that liberates your working capital so you can grow your portfolio more quickly, these loans provide a unique opportunity.

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Talk to an associate today to get your application started.