A Simplified Financial Tool for Quick Results

When you want to finance with easy credit history requirements and minimal paperwork, a stated income commercial real estate loan is a great option. At Point High Finance, we offer loans for new property purchases, debt consolidation, property improvement, refinancing, and even the buildup of your working capital.

The Nuts and Bolts of This Popular Financing Solution

The basics of each stated income commercial loan begin with the focus on the value of the real estate rather than on the borrower’s credit score. Point High Finance offers several attractive features in our stated income financing tools:

• Accessible qualifying credit scores begin at 600
• Acceptance of W-2 and self-employment documentation
• Fixed rates for amortized loans with 25-year terms
• Loan amounts up to $500,000
• Loan-to-value ratios between 65 and 75 percent based on property types
• Versatile property type requirements

If these features sound promising to you, this loan could be just what your business needs for new growth and opportunity. Consider a stated income loan for apartments, warehousing, and other types of real estate.

The Workings of Stated Income Versus Traditional Loans

There are several ways a stated income commercial real estate differs from traditional loans, and one of the most attractive differences is the focus on the property rather than on the borrower. If the property is valued high enough to cover the amounts of mortgage, loan insurance, and taxes, the loan can be approved even for borrowers with tricky credit histories.

Another positive difference between these loans and traditional loans is the quick approval process. You won’t have to spend weeks completing page after page of documentation. You simply don’t need to fill out as much paperwork, which means a faster turnaround time.

If the property in question satisfies straightforward loan requirements, you could quickly be on your way to the financing you need. Reach out to a loan officer at Point High Finance to learn more about the options available to you.