Stated income loans from Keystone Capital Financial Group are ideal for property investors that may not have the credit or financial records to secure traditional loans for commercial real estate.

What You Should Know about Stated Income Loans

Unlike most of the loan products you’re probably used to, a stated income commercial real estate loan focuses almost entirely on property value instead of credit profile. Although your credit score does need to be at least 600 to qualify, it doesn’t need to be pristine. When we decide whether to approve an applicant for this type of loan, we analyze the property in question. If you plan to buy a property that’s valued appropriately, your approval chances are good. You can tell if a property is valued sufficiently high if the value equals more than the cost of the mortgage, insurance, taxes and any other associated costs.

Loan Details

If you’re thinking about applying for this program but want to know more details, here are some program  benefits:

• Anywhere between 65% and 75% loan-to-value is a possibility, depending on your credit and the property type you’re purchasing.
• Loans come with fixed rates and good terms
• We frequently offer up to $500,000 through this program
• There are very few types of properties we won’t fund
• You have the opportunity to use the funds however you want

To see if you qualify, show us your self-employment documentation or your W-2 form and show us that you have a qualifying credit score.

Request Your Application

We have an application for our stated income commercial real estate program ready and waiting for you to fill it out. If you’re ready to begin the process, simply reach out to us today.