Stated Income Commercial Real Estate Loans
Access fast, flexible capital for purchasing or refinancing income-producing properties. Decisions focus on the asset’s value and income potential—so you can move without months of paperwork.
Stated Income Loan Highlights
Fast Approvals
Often in as little as 14 days with closings commonly in 2–3 weeks.
Less Documentation
Reduced emphasis on W-2s and tax returns—ideal for self-employed borrowers.
Property-Focused
Underwriting weighs the asset’s ability to cover mortgage, taxes, and insurance.
Why Choose a Stated Income Loan?
These loans emphasize the property’s ability to cover mortgage, taxes, and insurance—so you can move quickly without mountains of paperwork.
Flexible qualification
Options for both W-2 and self-employed borrowers.
Credit challenges considered
Focus on the property’s strength and income potential.
Practical terms
Fixed rates available; typical amounts up to $500k.
How do I get a Stated Income Commercial Real Estate loan?
Tell us what you need.
Share your project or cash-flow challenge and the property details.
Explore your options.
We bring solutions from multiple sources and focus on the property’s ability to cover mortgage, taxes, and insurance.
Get funded fast.
Fast approvals—often in as little as 14 days—with closings commonly in 2–3 weeks.
Typical Loan Parameters
Practical terms designed for speed and clarity—focused on the property’s strength, not mountains of paperwork.
Loan Amounts
Up to $500,000.
Rates
Fixed interest options available.
Timeline
Fast closings—often 2–3 weeks (some approvals ~14 days).
Eligible Properties
- Retail, restaurants, offices
- Warehouses & mixed-use
- Apartment buildings & more
Who Benefits from a Stated Income Loan?
Great for borrowers who need speed, flexibility, and an underwriting approach that emphasizes the property’s strength.
Investors with credit challenges
Keep building your portfolio—programs consider the asset’s value and income potential, not just past credit.
Self-employed owners
Perfect when traditional income documentation doesn’t reflect your real cash flow.
Entrepreneurs moving fast
Close quickly on purchases or refinances so your project doesn’t stall.
Why Work with Liberty Commercial Capital?
We bring speed, options, and trusted guidance—so you can secure the right financing and keep your business moving forward.
Experienced Commercial Financing Experts
We understand unique borrower needs and fight for the best terms on your behalf.
Nationwide Lending Solutions
Access a wide variety of property types and programs through our lender network.
Fast, Streamlined Process
Minimal paperwork with approvals and funding measured in days—not months.
Future-Focused Approach
We prioritize the property’s earning potential over past history to keep deals moving.
Take the Next Step with a Stated Income Loan
If you’re ready to refinance or buy commercial real estate without the delays and roadblocks of traditional lending, a Stated Income Loan could be the perfect solution.
Contact Liberty Commercial Capital today to explore your options and get started.
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