Residential Investor Stated Income Loans

A residential investor stated income loan qualifies borrowers based on a rental property's verified lease income and cash flow rather than personal tax returns or W-2s. Available for single-family homes, condos, townhomes, and multifamily apartment buildings nationwide.

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A residential investor stated income loan qualifies borrowers based on a rental property's verified lease income and cash flow rather than personal tax returns or W-2s. These loans are available for single-family homes (1-4 units), condos, townhomes, and multifamily apartment buildings nationwide, with a preferred minimum 650 FICO score.

What Is a Stated Income Loan for Residential Investment Property?

Rental Home Financing offers a lending platform specifically designed for income-producing rental properties. We lend based on the verified lease income, property cash flow, and loan-to-value ratio of the rental property, not on the personal income of the borrower. This means:

• No personal tax return requirements
• No W-2s needed
• 2-year bankruptcy discharge accepted (with rebuilt credit)
• Partner buyouts eligible

Our stated investor requirements are flexible because we evaluate each transaction on the property's merits. We are actively pricing competitive rates on deals across the United States.

Why Do Investors Choose Stated Income Over Traditional Bank Loans?

Stated income loans are particularly valuable for investors and professional real estate operators looking to capitalize on competitive rates and strong market conditions. Traditional lending channels present significant obstacles for rental property investors:

• Fannie Mae (FNMA) and Freddie Mac (FMCC) programs impose strict limitations on financed investment properties, typically capping at 10 loans per borrower.
• Most local and national banks apply tight underwriting criteria to residential rental property loans, often requiring extensive documentation that does not reflect an investor's true financial position.
• Self-employed investors and those with complex tax situations are routinely denied despite strong cash flow and significant assets.

With evolving regulations since Dodd-Frank, many banks have exited the investor lending market entirely. That has left property owners unable to qualify for traditional loans even when they have a genuine need to refinance existing debt or acquire new properties.

How can self-employed investors qualify for a rental property mortgage without tax returns? Our stated income program eliminates the documentation bottleneck. We look at the property's ability to service the debt, not your personal tax filings.

We evaluate the property's ability to service the debt, not your personal tax filings

Where Are Stated Income Investment Loans Available?

Rental Home Financing offers stated income mortgage loans in most locations across the United States:

Take Advantage of the Rental Market Today

Rising property values and competitive interest rates make this an opportune time to refinance existing debt or purchase additional rental properties. Our stated income program removes the barriers that traditional banks create, letting you move quickly on deals that grow your portfolio.

Whether you need to refinance an existing portfolio, pull cash out of appreciated properties, or finance a new acquisition, we have the programs and experience to get it done efficiently.