Stated Income Commercial Real Estate

Is a Stated Income Commercial Real Estate Loan Right for You?

When you are trying to find financing for your commercial real estate project, you may find that the approval process is very slow. Furthermore, many lenders are very strict about who they will lend to. Therefore, you may find yourself in a holding pattern. If this happens to you, consider a stated income commercial real estate loans from Monument Capital Solutions. It could be the solution you are looking for.

What Is Stated Income?

A conventional mortgage is primarily based on the lender evaluating your income and credit. The focus is on whether you are likely to repay the loan or not. The property you are trying to buy is not a major consideration. A stated income loan flips this arrangement.

When Monument Capital Solutions; evaluates your application for this type of loan, the emphasis is on the value of the building. If it is sufficient to cover the mortgages, insurance and taxes, it is likely that you will be approved.

Plus, there is significantly less paperwork. This means that you can get an approval decision much sooner. If you have a time-sensitive opportunity before you, this could be the right option for you.

These loans are available for almost any building type. Whether you work in apartments, office space, warehouses or any other field, consider applying with Monument Capital Solutions.

What Are the Key Details?

These unique loans have a lot to offer any commercial borrower. These are a few of the unique characteristics:

  • Low qualifying credit scores
  • High loan-to-value ratios, especially on multiunit residential properties
  • Only basic documentation needed on the application
  • Fixed-rate loans
  • 25-year terms
  • Large loan amounts available
  • Options for practically any type of property

Get Started

Contact Monument Capital Solutions today to learn more about our stated income commercial real estate loans. We are happy to help you get started with a free consultation and analysis of your needs.


Give us a call at (432) 695-4310
or fill out the form below to get started

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