Stated Income Commercial Real Estate

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Understanding Stated Income Loans

One option for funding commercial real estate is a stated income commercial real estate loan. At Qivist Commercial Loan Solutions, you can find this product which lets your business consolidate debt, purchase or improve property, refinance or build working capital. If you have been turned down due to your credit history, a stated income loan might be just the ticket.

How Is a Stated Income Loan Different From a Traditional Loan?

With a stated income loan, the focus is on the real estate and income it can earn. The value of the property in question must be able to cover the mortgage, taxes and insurance of the loan. You can get this type of loan on just about any type of real estate that will bring in an income. We have financed restaurants, warehouses, apartments and other types of businesses.

The property must meet certain requirements, but the history of the borrower is not as important. This type of loan is quicker to process, because there isn’t as much paperwork as a traditional loan. It’s about the property more than the business.

Loan Basics

Here are a few things that can help you decide whether a stated income loan might fit your needs.

  • Fixed rates, 25-year amortized loans
  • Almost any property type qualifies
  • Funds can be used for many different purposes
  • W-2 documentation
  • Loans up to $500,000
  • LTV of 65 to 75 percent depending on the type of property
  • Qualifying credit score of 600

Learn More About Your Financing Options

If you are interested in a stated income commercial real estate loan, contact us today. We’ll be happy to go over the particulars of your situation and answer your concerns. You could be close in as little as two weeks. We want to help you grow your business with products from our financing portfolio. Our financial specialists are here to help you find answers for your questions.

Additional Business Financing Options & Products

Didn’t find what you’re looking for? We have more business finance options to meet any need:

Accounts Receivable Financing
Commercial Real Estate Financing
Consumer Finance & Credit
Equipment Financing
Franchise Financing
Healthcare Financing
Merchant Cash Advance
Purchase Order Financing
Small Business Loans, SBA
Unsecured Business Lines of Credit
See ALL Financing Products

Servicing Charlotte, NC and The Surrounding Region

Charlotte, NC is known for its pro-business environment. Known as ‘The Queen City’, Charlotte, North Carolina has a pro-business environment that can list 291 of Fortune’s top 500 companies as having one or more facilities within the region. Charlotte happens to be the 16th largest U.S. city with a population of more than 800,000; therefore, it is the largest city within this region. Charlotte, NC is easily reached by 24-hour truck delivery or is within two hours flight time. The city is also the only major distribution center midway between the Northeast, Midwest and Florida business markets. A regional magazine listed North Carolina as of the most competitive states for economic development recently. North Carolina was also named as the second-best business climate in North America.


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