Stated Income No Doc Mortgages Loans

Stated Income No Doc Mortgages loans

  • Loan amounts up to $15 million
  • Terms from 5/7/10/15 or 30 years
  • Amortizations up to 30 years
  • Up to 80% LTV on all properties and this includes cash-out transactions
  • Unrestricted cash outs
  • Borrower does not document income on tax returns, investor and owner occupied
  • Recently stabilized – we only need 75% economic occupancy for the preceding 90 days at a 1.15 DSCR
  • No seasoning on title and the ability to use appraised value vs cost basis
  • Out of state investors
  • Low liquidity – Ecf only needs 3-6 months of P&I in reserves
  • Rates as low as 5.75%
  • Credit scores as low as 600, below 600 is case by case

Using Stated Income/No Doc Loans For Commercial Real Estate

Like residential loans, conventional loans are amortized so borrowers have manageable monthly payments on the balance. Our Stated Income/No Doc loans offer more robust amounts and terms, with a higher LTV than traditional channels, giving commercial real estate investors the flexibility they need to acquire properties. Additionally, lower LTVs typically qualify for higher financing with conventional loans, because the higher equity stake means there is less of a risk involved. Stated Income/No Doc loans can be arranged quickly with fast closings, so commercial real estate investors can acquire properties and start generating revenue as quickly as possible.

Property Types

Our conventional loans can be used in transactions for a multitude of property types, such as:

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

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


Get Started Today

Express Capital Financing provides a wide range of solutions for commercial real estate transactions. If you need fast, efficient, and affordable financing for your next property transaction, contact our offices. Learn more about our stated income/no doc loans for commercial real estate today.

Pre-Qualify Today


Fill out and return the following form:



Get preliminary approval within 24 hours. Simply complete the form using the link below, or call us at 718-285-0806:

  • 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.