Reasons To Use Stated Income Commercial Real Estate Financing

Investing in commercial real estate can be a great way to secure your financial future. However, if you have imperfect credit, you may find getting a loan to be difficult. Even if you can find the right lender, you have to deal with mountains of paperwork. If these problems sound familiar to you, a stated income commercial real estate loan from Valpzac Capital could be a good fit.

How It Works

Like other types of loans, stated income financing can be used to buy, renovate or refinance commercial properties. Additionally, it can be used to consolidate debt or build working capital. The key difference between a stated income loan and a standard mortgage is in how the loan is approved.

With a typical mortgage, the decision is made primarily based on your credit and finances. There is a lot of paperwork to prove that you can repay the loan. However, the property is barely considered. Conversely, a stated income loan is approved primarily based on the property itself. If it has enough value to cover the mortgage, taxes and insurance, you are likely to be approved.

This type of loan is available for offices, multiunit residences, warehouses, restaurants and more. If the real estate can qualify, you can likely get a loan.

Stated Income Loan Features

Stated income loans from Valpzac Capital include:

• Credit scores as low as 600
• Up to 75% loan-to-value ratios for qualifying properties and borrowers
• Only W-2 or self-employment documentation needed
• Loan amounts up to $500,000
• Funds available for many business needs
• Fixed rates
• 25-year terms
• Almost all property types are welcome

Get Started

Contact Valpzac Capital today to learn more about our stated income commercial real estate loans. We will get you started with a free consultation and analysis of your financial needs.