Apply for Our Stated Income Commercial Real Estate Program

Are you a commercial real estate investor or developer, and have you been denied conventional loans? At Royall Capital Funding, we know the importance of quick loan approvals and the challenges credit histories can cause. Thankfully, with our stated income commercial real estate loan program, you may still have the opportunity to purchase the property you are interested in.

Stated Income Versus Conventional Loans

With our stated income program, we are more interested in the value of the property in question and less concerned with your credit score or history. We still need our clients to meet minimum requirements, but we do not have the same restrictive mandates as other institutions.

For our stated-income program, an applicant must possess a minimum 600 credit score and should be able to supply W-2s or self-employment documentation. Other than that, we only ask that the property value meets or exceeds the needs of the loan, including the mortgage, insurance, and taxes.

Conventional lenders have many more requirements, and while the property value may matter, it is less important than your credit score, history, and financials. Also, the approval process takes much longer than a stated income loan because it has to go through approval bodies.

Benefits of a Stated Income Commercial Real Estate Loan

Besides dealing with less paperwork and personal intrusion with our loan program, a stated income loan has many advantages over a conventional real estate loan program. The primary benefits include the following:

  • Loan limits of up to $500,000
  • Loan terms of up to 25 years
  • Fixed rates
  • 65% to 75% LTV based on property type

Contact Us To Learn More

As a commercial real estate investor, you know that time is crucial in making decisions. Our stated income program allows for quick approval and funding of projects. Contact a Royall Capital Funding representative to apply.