Contemporary commercial towers and reflective architectural details

Stated Income Loans / Alternative documentation

A more considered view of your financial picture.

Real estate financing for borrowers whose income does not fit conventional documentation, including self-employed professionals and business owners.

Discuss Your Transaction

Stated Income Loans

Property-backed capital

Nationwide perspective

Explore the structure

A modern investment-style residential property — REAL ESTATE PERSPECTIVES / REPRESENTATIVE PHOTOGRAPHY

THE FINANCING PERSPECTIVE

A financial picture that needs more context.

Self-employment, business ownership, and multiple income sources can create a financial profile that does not fit conventional documentation. Stated income programs provide a starting point for discussing those circumstances in a real estate financing context.

The objective is to understand the borrower’s position and the property together. Explain the sources of income, the purpose of the financing, and the repayment plan, rather than assuming a program removes the need for supporting information.

Tell Us About the Property

WHERE THE STRUCTURE FITS

Start with the purpose.
Build the context.

The same program can serve different opportunities. The purpose helps shape the conversation.

Self-employed borrowers

Describe the nature of your work, income sources, existing property, and purpose of the real estate financing.

Business owners

Put business circumstances and property-backed financing needs into a clear brief for review.

Nontraditional income

Explain a financial picture that does not fit standard documentation, including the intended repayment source.

THE DETAILS THAT MATTER

Different documentation. A considered review.

An initial conversation should explain how income is earned and why standard records may not tell the whole story. Business circumstances, collateral, and existing obligations can help provide context for the requested capital.

Specific documentation depends on the transaction. Before proceeding, understand what information is required and how the proposed term, costs, and repayment structure fit your financial position.

A USEFUL STARTING POINT

Bring the asset
into focus.

A practical overview of the property and your plan is more useful than a financing request in isolation.

Relevant property categories

Commercial real estateInvestment residentialMixed-use

Before the conversation

Explain your income sources and financial position.
Documentation requirements depend on the transaction.
Property value and ability to repay remain part of the review.

Financing amount, term, costs, documentation, and timing depend on the transaction and underwriting. Share the requested capital, estimated property value, state, and financing purpose to begin.

THE PATH FORWARD

From a clear brief
to a considered structure.

Explore the Process

Submit the opportunity

Share the property, capital requirement, and purpose of the financing.

Review the deal

We consider the asset, your business plan, and the path to repayment.

Structure the financing

Discuss a structure that brings the amount, term, and transaction together.

Move toward closing

Complete underwriting, documentation, and the closing requirements.

Questions,
considered.

Does stated income mean no information is required?

No. Documentation requirements depend on the program and transaction. Be ready to explain income sources, property collateral, existing obligations, and ability to repay as part of the review.

What can stated income loans be used for?

Finance an investment with nontraditional income. Explore options as a self-employed borrower. Match documentation to a complex financial profile. Share the purpose of your transaction so the financing can be considered alongside your plan.

What information should I prepare?

Explain your income sources and financial position. Documentation requirements depend on the transaction. Property value and ability to repay remain part of the review. Start with the loan amount, estimated property value, property type, and state.

Are the terms the same for every property?

No. The asset, borrower profile, collateral, purpose, and repayment plan inform the review. An inquiry does not constitute financing approval.

Can I discuss other financing structures?

Yes. Explore our other programs or describe your transaction in the financing intake. The purpose and property help guide the discussion.

Architectural detail of commercial real estate

YOUR NEXT OPPORTUNITY

Have a transaction
worth discussing?

Tell us about the opportunity.
We’ll take a closer look.

Request Financing