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STATED INCOME LOANS

BUSINESS OWNER'S | CONTRACTOR'S | HIGH NET-WORTH | INVESTOR'S | SALES | SELF-EMPLOYED | ENTREPRENEURS

Stated Income Loans California

We offer stated income loans, jumbo loans and other loan programs from $100k to $10 million. We’re a favorite among self employed, business owner’s and investor’s unable or unwilling to use their tax returns to qualify for a mortgage. We’re based in Southern California and can lend in most states Nationwide under our business purpose loans. We’re an excellent alternative to hard money and private money lender’s.

QUOTE YOUR PROPERTY

Property Types We Fund

SINGLE FAMILY HOMES

Single family residence (SFR) purchase or refinance as a primary, investment or second home.  We have numerous programs single family and 1-4 unit residential properties.

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CONDOMINIUMS

Purchase or refinance as primary residence, investment or second home.  Loan programs available for non-warrantable condominiums as well. 

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OFFICE BUILDINGS

Commercial real estate loans are different from residential mortgages in that they typically have shorter loan terms and may require a larger down payment.

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RETAIL SPACE

Excellent resource for non-bank financing.  We have less rigid underwriting, faster approvals and lower fees and closing costs than banks.  Great programs for small and medium sized companies.

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INDUSTRIAL OFFICES

We focus more on the property’s value and revenue-generating potential than the borrower’s personal income and credit.  Our alternative, asset-based mortgage programs allow us to meet the challenging needs of real estate investors, including W-2, self-employed and small business owners, who are often tough to qualify.

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METAL BUILDINGS

Metal building loans for self-employed and small business owners who are often tough to qualify find success in our loan programs.

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COMMERCIAL OFFICES

Great alternative to hard money loans with longer terms and flexible underwriting.  Qualifying based on property value not personal income.

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SELF STORAGE

Self storage loans with interest only options for lower payments and 30 yr fully amortized loan.  Check below or call for further details.

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SHORT-TERM RENTALS

Short-term investment property mortgage options for purchase, refinance and cash-out.  Most of our programs don’t require tax returns.

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MIXED USE PROPERTIES

Mixed-use properties can utilize asset-based mortgage programs that are specifically designed for independent real estate investors and small business owners who often don’t qualify for traditional bank loans.

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NON-QM LOANS

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Residential
NON-QM LOANS
1099 Only
Asset Depletion Loans
Bank Statements 12 Months
DSCR Loan
Hard Money Loan
Interest Only Loan
Jumbo Mortgage
No Income Verification Mortgage
Non-Warrantable Condo
P and L Mortgage 1 Year

COMMERCIAL PROPERTY LOANS

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Commercial
COMMERCIAL PROPERTY LOANS
Assisted Living
Bridge Loan (12-24 Months)
Farm Loan
Metal Buildings
Mixed Use Properties
Multifamily 5+ Units
Office Space
Retail Space
Self Storage

CHECK YOUR PROPERTY

Tell us about your scenario and we can help with funding.
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I was able to buy a primary residence without proof of income! The loan programs at Stated Income are fantastic!
FischerSelf Employed
Fischer
I had multiple retirement accounts I needed to convert to a real estate portfolio.  They were great at helping with all the purchases.  Lots of programs and excellent to work with!
GratkeCEO
Testimonial-4
I'm a self employed business owner and was not able to use my tax returns for a mortgage due to all my write-off's.  They provided numerous ways I could get prequalified without tax returns.  Easy to work with and well organized. Will use them again!
RawlingsBusiness Owner
Rawlings
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