Stated Income Commercial Real Estate

PURCHASE OR REFINANCE AFFORDABLY WITH A DIRECT NO DOC LOAN FROM FROM EXPRESS CAPITAL FINANCING

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

Step 1 of 4

Step 1 - Business Information
Property State:*
Type of Property:*
Your Credit Profile*
Any information you share is secure. It will not be sold or reused.

Step 2
Needs Assessment
Requested Loan Amount:*
Estimated Property Value:*
What type of loan do you need?*
Is this an owner-occupied property?*
(Select 'Yes' only if the owner is in the building and occupies 51% or more of the total space)
- Yes
- No
What length of time would you like the loan to be amortized over?*
Have you committed to purchasing a property yet?*
Any information you share is secure. It will not be sold or reused.

Step 3
Borrower Information
Describe your role:*
Name*
First Last
Company Name*
Phone*
Email*
Will there be a co-borrower?*
- Yes
- No
What state is the primary borrower located in?*
Does the primary borrower own a home or other personal real estate that could be used as collateral?*
- Yes
- No
What is the credit score of the primary borrower?*
What is the target time-frame for receiving financing?*
What kind of documentation will be provided?*
Any information you share is secure. It will not be sold or reused.

Step 4
Get Your Results
Name*
First Last
Phone*
Email*
Any information you share is secure. It will not be sold or reused.
Where did you find us?

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 lender

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
Carwash
Church
Condo Conversion
Convenience Store with Gas
Day Care Center
Development (Residential)
Development (Commercial)
Dry Cleaner
Educational Center
Equipment Financing
Franchises

Funeral Home
Gas Station
Golf Course
Health Care / Assisted Living
Hospital
Hotel Condo
Hotel / Motel
Investment Condo
Laundromat
Light Industrial
Marina (Lake Access)
Marina (Ocean Access)
Marina with Gas (Lake Access)
Marina with Gas (Ocean Access)
Mixed Use

Mobile Home Park
Multi Family (2-4 Units)
Multi Family (5+ Units)
Office
Office Condo
Parking Garage
Restaurant
Retail
Self Storage
Single Family Residence
Townhome / Residential Condo
Warehouse
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 Refinance
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.