Stated Income Loans for Commercial Real Estate

Put Your Property to Work for You

If your credit history has made it difficult to get a loan in the past, H4 Capital can help. We provide stated income loans for commercial real estate with minimal paperwork and quick turnaround times. Here are some important things you need to know.

How Is a Stated Income Loan Different?

Instead of looking at you and your credit, we provide loans based on the property you use for your business. You can qualify if the property in question can cover its mortgage, taxes and lending insurance. This is one reason our stated income loan process is faster and has less work involved. We can approve a variety type of buildings, including warehouses, apartments and restaurants.

How Does Loan-to-Value (LTV) Work?

How much money you can qualify for depends on the value of your property and its size. This falls into three categories with the largest category usually requiring a credit score of 700 or higher.

  • Up to 75% LTV for mixed use and multifamily properties with five or more units
  • Up to 70% LTV for investment properties not occupied by the owner and having one to four units
  • Up to 65% LTV for warehouse, self-storage, retail, office and auto service properties

How Else Does This Loan Benefit Your Business?

If your business needs funds for refinancing or debt consolidation, then a stated income commercial real estate loan can help. These funds can also be used for purchases. We offer fixed rates on amortized loans for up to 25 years. You only need a W-2 or your self-employment documentation for a loan of up to $500,000.

Call Our Office Today

To find out more about our stated income loan programs, contact our office. We can answer any other questions you have and guide you through the application process. With our turnaround time, you could close within the next two to three weeks.