Stated Income Commercial Real Estate


Can’t buy that property? Can’t prove your income? How about a Stated Income No Doc loan? Qualified customers enjoy competitive rates, and our stated income commercial real estate loan can be used for most commercial property types.

Our finance solutions come with a 30 year amortization (3 to 8 year fixed). Our refinance solutions come with 25-year fixed rates, and your never have to worry about adjustments or balloon payments.

Need to close quickly? Don’t have your income documentation? We never ask for income verification or tax returns. We can get you a mortgage of up to 80% LTV on most property types.

Commercial Real Estate Loan Wizard

Fill out our FREE, interactive Commercial Real Estate Loan Wizard below or download, fill out and return our Commercial Loan Application, and we will be in touch with you shortly

  • No tax returns required
  • Can’t prove your income
  • 25 to 30% down will get you the financing you need
  • 30 year fully amortized loan (fixed for 3 or 8 years)
  • Need 650 min. credit score
  • Have the property in your hands in 30 days
  • We are a nationwide direct lenders
  • Since we are a direct lender, we are able to get you a letter of intent (LOI) within 48 hours and close within 30 days
  • Express Capital’s back office helps you the client with all your real estate needs. We handle your Title, insurance, Council. Whether it’s your sources or our sources.
  • Good for partnership buyouts, debt consolidation, working capital for your business, owner occupied users are acceptable.

Categories We Work With

The following is a list of just a few of the property types we fund: (Not Available in These States AK, ND, SD)

Apartment (5-20 Units)
Apartment (21+ Units)
Auto Services
Bed & Breakfast
Condo Conversion
Convenience Store with Gas
Day Care Center
Development (Residential)
Development (Commercial)
Dry Cleaner

Funeral Home
Health Care / Assisted Living
Hotel Condo
Hotel / Motel
Investment Condo
Light Industrial
Mixed Use
Mobile Home Park
Multi Family (2-4 Units)
Multi Family (5+ Units)

Office Condo
Parking Garage
Self Storage
Single Family Residence
Townhome / Residential Condo
Warehouse Condo

Investor Single Family and 2-4 Family

These investment properties include single family homes, condos and town homes. As long as the property is non-owner occupied, and is used for investment purposes, then Express Capital Finance is right for you.
The minimum loan amount is $100k. The maximum amount is $2 Million.
Purchases up to 75% LTV. DSCR not required.
Refinances up to 70% LTV. DSCR not required.
Impounds are required.

Level 1 (Multi-Family & Mix Use Buildings)

These loans are for multi-family (5+ units) and mixed-use buildings.
The maximum loan amount is $100k – $20 Million at a LTV of 80%.
Impounds are required.

Level 2 (Office Buildings, Retail, Warehouse, Auto, or Self Storage)

This program is designed for office buildings, general retail, warehouse, self- storage and automotive services.
The maximum loan amount is $100k – $20 Million with a LTV of 80%.
Impounds are required.

How Much Will You Qualify For?

We’ll finance up to 80% of the value of residential buildings and up to 70% LTV on retail, office and warehouse structures.

View Rates & Terms

Guildelines Criteria
Minimum Loan $75,000
Maximum Loan $100,000,000
Maximum LTV 80% of purchase price
80% of appraised value
Purpose Purchase
Lien Position 1st only
Timing (estimated) Term Sheet: 24-48 hours
Closing: 3 weeks
Term 30 Years
Fixed Rate Term Up to 30 year fixed rates
Location Nationwide
Interest Rates Starting at 6%-8%
Origination Fees 1 point +
Recourse Recourse
Borrower Entity Entity
Minimum Credit Score 550 or higher
Quick Closing 30 days or less (Minimum Docs Required)
Property Types Single Family, 2-4 Units, Multifamily, Retail, Mixed Used, Office Buildings, Industrial and Warehouse

Pre-Qualify Today

Call Express Capital Financing today to see if you qualify for one of our customized real estate solutions. We won’t burden you with piles of paperwork. Our stated income loan requires only a few signed documents. Your stated rate will never change, and there’s no fee to pay your loan back early.