Flexible Refinancing Through Stated Income Commercial Real Estate Loans

commercial real estate

Traditional real estate loans work well for individuals and companies actively investing in their facilities, but they don’t always work as well for investors who are building a portfolio of strong income real estate investments.

While traditional loans value the property based on its resale amount at appraisal, stated income loans are based on the property’s income generating potential at the time of application. This means you get a valuation based on the number that really matters to you—your investment’s income-generating potential.

Acquire, Refinance, or Cash-Out Refinance

These loans are able to be used for property acquisition, but more importantly, stated income loans are able to be used in a cash-out refinance process. Refinance your top performing properties with the most equity and use the funds for your next asset acquisition.  Mitigating risk by placing loans on properties with solid performance records provides you capital to maximize profitability at the new site.

Program Terms and Parameters

Here are the major features of Clear Capital Group’s stated income commercial real estate loans:

  • Up to 70% LTV for 1-4-unit non-owner occupied residential buildings
  • Up to 75% LTV for 5+ unit buildings, again, provided the owner does not occupy the property
  • Up to 65% LTV for warehouses and office buildings, retail storefronts, auto repair shops, and other commercial properties.
  • Financing available with 600 credit score
  • Loan sizes in the range of $100,000 to $5 million
  • W-2 or self-employed

Properly utilized equity allows your business to maximize investment portfolio profits. Stated income loans give you the ability to re-position equity so every property you own receives the attention it needs and you avoid financial bottlenecks. Talk to one of our associates today to get the application process started.

If you are a fix and flip or residential renovation specialist and seeking funding for that business model then please email us at info@ClearCapitalGroup.com to learn more and submit a loan request.