Stated Income Commercial Real Estate

At River Capital Capital Group, we understand how frustrating it can be for businesses with less than ideal credit to secure funding. If your credit has taken a hit and you are struggling to get approved for a traditional loan, come to us. We offer stated income commercial real estate loans that do not rely solely on your credit score.

Need a Loan That’s Not Based on Credit Score Alone? We Can Help!

At River Capital Capital Group, we understand how frustrating it can be for businesses with less than ideal credit to secure funding. If your credit has taken a hit and you are struggling to get approved for a traditional loan, come to us. We offer stated income commercial real estate loans that do not rely solely on your credit score. If you’re trying to purchase a property that is high enough in value to cover the taxes, mortgage and insurance, then you have a good chance of receiving approval for our generous stated income loan program.

Highlights of Our Program

Approval for our stated income loans is not solely based on your credit profile, but you do need to make sure your score is at least 600 to be qualified for our program. Additional program highlights include:

  • Must have self-employment status or W-2 to qualify.
  • Up to 65% LTV possible for warehouses, self-storage, auto services, retail and other eligible properties.
  • 75% LTV possible for multifamily or mixed-use units as long as they have a qualifying credit score above 700.
  • Non-owner occupied Investment properties with 1-4 units may be eligible to receive up to 70% LTV.
  • Cash-out refinancing, refinancing and purchasing options available.

The following property types are commonly approved for our stated income commercial real estate products: offices, retail real estate, warehouses, restaurants and apartment buildings. If your property is not listed here, that does not mean it can’t be approved. We provide financing for practically any property type, as long as qualifying criteria are met.

Call Now!

We are excited to help you meet your real estate goals through our generous stated income commercial real estate program. Call us today or meet with us in person for a free, no-obligation consultation or to begin our quick and convenient credit loan review and approval process. We look forward to meeting your financial needs!