Stated Income Lending
The Fastest Investment loans!

Investment property financing is a lucrative tool if you have good credit and know how to leverage the stock market. It does, however, generally require that you have the income to support a loan and if you’re self-employed, that can be a unique barrier to receiving rental property loans.

Stated income lenders are one way you can receive financing for an investment property. They are the best option for people who don’t have a traditional source of income but still want to take advantage of vacation rental property loans.

What Is a Stated Income Lender?

A stated income lender is a financial institution that offers investment property loans to investors who don’t have a traditional income statement, like a paycheck stub, W2, or 1099. This means they review your personal credit and look at alternative sources of income, like your bank statements.

Stated Income Lenders - Qualify with Potential Rental Income

If you aren’t already aware, Dodd-Frank changed a lot of rules around mortgages when it went into effect in July 2010. The purpose was to stop predatory lending practices that led to sub-prime mortgages fueling toxic mortgage-backed securities. Stated income loans were mentioned alongside mortgage-backed securities. That caused a lot of confusion.

The idea of simply stating your income and being taken at your word was an honor system that wasn’t exactly honored across the board. It’s understandable why these loans weren’t meant for the average consumer. But there’s a reason stated income loans existed in the first place.

What to Look for in a Property Before You Apply for an Airbnb Loan

There’s a lot of talk about how lucrative Airbnb rentals are these days. Before taking the plunge into an Airbnb loan, you’ll need to know what to look for in a property to get the most out of the investment. Many of the Airbnb investments that flop do so because investors miss concerns with the property that are potential red flags.

The Potential for Profit in Airbnb Properties

There are incredible opportunities in Airbnb rental properties. The Airbnb market is projected to bring in profits in excess of $3 billion by the year 2020. The jaw-dropping figure speaks volumes on how lucrative Airbnb can be. More importantly, a share of those profits can be yours when you choose the right properties to rent as an Airbnb.

4 Reasons Experienced Rental Property Investors Love Stated Income Loans

Investing in rental properties can be extremely lucrative, especially when it’s well financed. While securing funding is one of the major challenges in buying rental properties, savvy income property investors have found a great way around these challenges with stated income loans.

One of the savviest applications is to finance multifamily housing investments with stated income apartment loans.

How to Get Fast Triplex Financing with No Tax Returns

Would you like to grow the size of your rental-property portfolio?

How about growing it by three units with just one mortgage?

If so, one of the easiest ways to do that would be by simply purchasing a triplex.

Before you do, though, you’ll need to secure the triplex financing necessary for that purchase.

What Is a Triplex?

A triplex is essentially the same concept as the more-common duplex, except that there is a third unit. Just like with duplexes, each of these units are independent of one another other than shared walls. Each unit has its own door to the outside, kitchen, bathroom(s), etc.

Duplex Financing Stated Income Loans with No Tax Returns

What you need to know about duplex financing.

Looking to add to your real estate investment portfolio? Expanding with duplex financing may be what you are looking for.

While there are countless options, it’s worth considering how a duplex could augment your earnings as well as the best way to go about securing Duplex financing.

What Is Considered a Duplex?

As rental property investors, it's important to understand the formal definitions of various property types.

Fortunately, duplexes are a relatively easy property type to nail down. It’s any residential building that entails two separate living units with a shared wall. Keep in mind that this is not the same thing as a twin home, which is also two living units with a shared wall, but the units are owned separately. Duplexes only have one owner.

Streamlined Financing for Small Apartment Buildings using Stated Income

Small apartment buildings and multifamily properties are currently offering up some of the best returns for investors. What financing options are there for investors seeking to add apartment buildings to their portfolios?

Small Balance Apartments

Smaller balance apartment buildings and multifamily properties are among the top property types for investors right now. After several years of giant funds chasing single family homes and larger commercial property deals in prime locations, smaller multi-unit properties can provide some of the most attractive deals for yields and growth.

In the past it hasn’t always been easy for real estate investors to find financing for small balance apartments. Lenders have preferred to put their capital into larger deals. Our new apartment building loan program changes that lender mentality with some of the most attractive rates offered in today’s market on a National level.