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Stated Income Commercial Loans

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Commercial Mortgage Loans
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Stated Income Commercial Loan Program Overview

Crefcoa provides competitive commercial financing for investor commercial properties through various programs without the requirement of personal or business tax returns. Borrowers are not required to sign a 4506-T (authorization to request tax returns from the IRS), and personal income and personal debt-to-income (DI ratio) are not verified/calculated.


While tax returns aren't required, the commercial property must be able to demonstrate the ability to service the debt (DSCR) at a specific loan amount and the sponsor(s) must meet minimum financial capacity and credit requirements.


Commercial loan programs not requiring personal or business tax returns are for investor properties only (multi-tenant non-owner user).

  • No personal tax returns
  • No business tax returns
  • No 4506-T
  • No personal debt-to-income analysis

Stated Income Commercial Loan Document Requirements

While personal tax returns or business tax returns aren't required, a lender will still need to verify the property's ability to service the debt through gathering the following documents.
  • Two most recent years income and expense statements
  • Year to date income and expense statement
  • Capital improvements summary to determine which expenses are considered capital and non-recurring
  • Current rent roll
  • Sampling of leases
  • Tax bill
  • Appraisal


Crefcoa provides commercial loans for borrowers without the requirement of personal and business tax returns under several different program options.


Contact a Crefcoa Commercial Loan Specialist at 1-844-359-6413 to discuss your specific needs and see if we can customize a program to meet your individual needs and constraints. Or request a custom quote and your assigned loan specialist will contact you with available apartment financing options.

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Micro Equity Series Commercial Loan Program Overview

The Micro Equity Series™ is a small commercial loan program targeted towards borrowers that are unable to qualify for bank financing due to being self employed and not showing enough income on their tax returns or for borrowers with low credit scores. Rates are higher than traditional bank rates, but lower than hard equity rates.
  • Great option for borrowers unable to obtain traditional bank financing
  • Perfect for self employed borrower
  • 25-yr fully fixed rates / no balloons / no resets
  • 3-4 week closings
  • Exception based underwriting
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Disclosure: Commercial mortgage loan program availability may vary depending on property type, state, population, economic conditions, exposure, and other variables that may negatively influence risk. Program rates, terms, and conditions are subject to change without notice. Visit Crefcoa commercial property loan home page to learn more about our commercial mortgage and apartment building loan programs.