Benefits of a Stated Income Loan

Taking out a loan is a great first step, allowing you to consolidate debt or invest in a new property. But traditional loan applications involve a lot of paperwork, and getting denied for a low credit score can leave you feeling helpless.

If you have been denied a traditional loan, consider a stated income loan from Endless Capital LLC. We offer stated income commercial real estate loans as an easy alternative to the traditional application process.

What We Look For

When applying for a traditional loan, a loan officer will analyze your credit history, income and debt to income ratio. The decision to offer you a loan, and what kind of terms you qualify for are based on these factors; our stated income loans, on the other hand, only look at the value of the real estate property you are applying with. As long as the property meets the value requirements, we can offer stated income loans to nearly every kind of property.

What We Offer

If your property qualifies, here’s what to expect from our stated income loans.

• Loan amounts up to $500,000.
• Fixed 25-year rates.
• W-2 or self-employment documentation.
• A qualifying credit score of 600.

We also offer different loan-to-value ratios depending on the type of property:

• Up to 65% LTV for retail, office, auto service and self-storage property.
• Up to 70% LTV for non-owner occupied properties (between 1 and 4 units).
• Up to 75% LTV for mixed-use/multifamily properties with 5 or more units.

Our streamlined application process allows you to qualify and receive the funds you need more quickly than traditional loans. This quick turnaround allows you to more easily invest in a new property, refinance, finance renovations or consolidate debt.

Our goal is to help you reach your business goals, whatever they may be. Contact us today to find out how we can help you!