Stated Income Commercial Real Estate Financing

Stated Income Commercial Real Estate Loans

Stated Income Commercial real estate loans are an alternative to a traditional commercial loan for borrowers who are looking to buy or refinance commercial property.

A stated income commercial loan is generally more concerned with the piece of real estate rather than the borrower’s credit history. The property income value must be capable of servicing the mortgage, taxes, and insurance for a state income commercial loan to be approved. An advantage to a state income commercial loan over a traditional commercial loan is that the approval process is much quicker because there are fewer documents involved in order for the borrower to qualify.

Loan Parameters

  • Up to 70% LTV – 1-4 Unit Non-Owner Occupied Investment Properties
  • Up to 75% LTV – 5+Unit Multifamily and Mixed Use (must DSCR at 1.25 and credit above 700 for 75% ltv)
  • Up to 65% LTV – Office, Retail, Warehouse, Self-Storage, Auto Service
  • 600 Credit Score to qualify
  • $100K – $5M
  • Purchase, Refinance, & Cash-out Refinance
  • W-2 or self employed

Our program offers customers soft money loans

  • Commercial Loans up to $500,000
  • Fixed rates & Fully Amortizing up to 25 Years
  • Almost all commercial property types accepted
  • Closings in as little as 2-3 weeks

Property that can be financed under a State Income Commercial Loan

Retail real estate
Office real estate
Apartment building
And many more

Uses for Our Stated Income Loans

Debt Consolidation

Prime Commercial Lending can save you money! By paying off the IRS, consolidating equipment leases, business credit card debt and other monthly expenses, you could save thousands of dollars every month. Find out how much we can save you.

Purchase a Property

Paying rent on a building that you‘re ready to own for your business? Find the perfect investment property? PCL can help you get the money you need to make that purchase.

Property Improvements

Looking to expand your parking lot or replace the roof on your building? PCL can get you the money you need to make property renovations.

Working Capital

Whether you need money in the bank to cover your bills while you wait for receivables to come in, or you need cash to take advantage of some deals on inventory, PCL can help.


Do you have a high rate or balloon mortgage? Have an adjustable rate? PCL can help. We offer 25-year fixed rate loans that never balloon and never adjust.

Get the financing you need today !
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