Stated Income Commercial Real Estate

Getting the Most Out of Your Equity With Stated Income Loans

When you are trying to expand your real estate portfolio, you need to be able to count on using all of your business assets to support your next move. Even if your next move isn’t large enough to require all your resources, finding the best investment strategy means being able to consider any option including using the equity you have in your existing buildings. Most loans value a building at its resale value at the time they are executed and they are also tied to the purchase of that asset. If you want to use your existing equity in other buildings to fund the purchase of a new one, you need something like a stated income commercial real estate loan.

How Stated Income Commercial Real Estate Loans Work

When you access these CRE loans, the actual income of the buildings you are borrowing against is used as the basis for the loan. That means you get a more accurate picture of an appropriate amount to borrow against them. It also means you can choose your highest performing buildings and use them to fund new investments or to reinvest in other buildings to raise their value.

Wise Commercial Capital Program Parameters

  • Up to 65 percent LTV for office buildings and other commercial spaces
  • Up to 70 percent LTV for 1-4 unit residential properties
  • Up to 75 percent LTV for 5+ unit residential properties
  • No owner-occupied properties
  • W-2 or self-employment verification
  • Credit score of 600 or higher
  • Up to 25 year terms
  • Competitive interest rates

Starting Your Application

If you want to know more about how stated income commercial real estate loans can help your operation, give us a call or contact us online. Our associates are standing by to answer questions or to help you as you work on your application. All you need to do is reach out.