Stated Income Loans in California, Calif, CA- 800-247-8212

No Tax Returns Required – a great loan for the self employed business owner and investor or if you write all of your income off and can’t provide three years tax returns that show enough profit to your local bank.  Call us today!

  • No income verification
  • Qualification is fast
  • Simple and easy to qualify for
  • Cash Out – OK

Our Commercial Stated Loans are for non-rural California cities such as the large population centers like Los Angeles, San Francisco and San Diego all the way to smaller cities such as Alameda, Alhambra, Anaheim, Antioch, Bakersfield, Baldwin Park, Bellflower, Berkeley, Buena Park, Burbank, Carlsbad, Carson, Chino Hills, Chula Vista, Citrus Heights, Clovis, Compton, Concord, Corona, Costa Mesa, Daly City, Downey, El Cajon, Elk Grove, Escondido, Fairfield, Fontana, Fremont, Fresno, Fullerton, Garden Grove, Glendale, Hawthorne, Hayward, Huntington Beach, Inglewood, Irvine, Lake Forest, Lakewood, Lancaster, Livermore, Long Beach, Lynwood, Mission Viejo, Modesto, Moreno Valley, Napa, Newport Beach, Norwalk, Oakland, Oceanside, Ontario, Orange, Oxnard, Palmdale, Pasadena, Pomona, Rancho Cucamonga, Redwood City, Redding, Rialto, Richmond, Riverside, Roseville, Sacramento, Salinas, San Bernardino, San Jose, San Leandro, San Mateo, Santa Ana, Santa Barbara, Santa Clara, Santa Clarita, Santa Maria, Santa Monica, Santa Rosa, Simi Valley, South Gate, Stockton, Sunnyvale, Temecula, Thousand Oaks, Torrance, Upland, Vacaville, Vallejo, Ventura, Victorville, Visalia, Vista, West Covina, Westminster and Whittier to Twentynine Palms or nearby towns.

We provide financing for a business owner user or for an investment commercial property as well as non-owner occupied 1-4 residential rental units.  The minimum loan amount is $100,000 but we can go up to a maximum of $5,000,000 per loan.

This is a 30 year fully amortized, no balloon payment, no doc to lite doc loan and is based upon your real estate’s equity and you, your spouse or partner having a mid credit score of at least 650*.

Stated Income Highlights:

  • Loan Amounts:  $100,000 to $5,000,000 for commercial property
  • Loan Amounts:  $100,000 to $750,000 for SFR’s or Condo’s
  • Loan Amounts:  $100,000 to $2,000,000 for 2-4 units
  • Maximum Loan To Value: 75% Commercial and 70% for 1-4 units
  • Minimum Interest Rate: as low as 7.75% (Interest Rate Buy-down available to 6.75%)
  • Term: 30 years fully amortized, fixed for 3 and then adjustable year 4 though 30

How To Get Started Today:

  • Loan Application (1003 standard loan application – call us and we’ll email one to you)
  • 3 Credit Bureau Report with FICO Scores (pull your own credit report from Equifax.com – purchase the 3in1 report with scores)

Not your usual bank loan scrutiny or holding you hostage to a bankruptcy or foreclosure from years ago.  We are the alternative financing, cheaper, longer term and better than hard money.

Types of Properties:

  • Commercial
  • Apartments
  • Mixed Use
  • Single Family 1-4 Rentals
  • Shopping Centers
  • Strip Malls
  • Light Industrial
  • Warehouses
  • Condos
  • Storage Centers
  • Warehouses
  • Banquet hall (send interior photos)
  • Bed and Breakfast (send interior photos)
  • Daycare (send interior photos)
  • and more….

If you require a short term Bridge Loan in California of 1 to 2 years instead, for any reason, contact us and ask about our Bridge Loan Programs. Sometimes you may only need a short term loan to reach your goals prior to refinancing into the conventional Bank or SBA loan that you desire.

Contact us today. We can provide you with a Conditional Loan Approval within hours of providing us with a loan application and credit report. Closing takes a matter of a few short weeks.

(Sorry no construction or rehab funds available on this program.)