Stated Income Loans with No Tax Returns for Investment Properties

Stated income investment property loans allow real estate investors to finance rental homes without providing personal tax returns, W-2s, or employment verification. Loan amounts range from $100,000 to $2,250,000+ for individual properties, with blanket mortgage options up to $30,000,000+ for larger portfolios.

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Stated income investment property loans allow real estate investors to finance rental homes without providing personal tax returns, W-2s, or employment verification. Loan amounts range from $100,000 to $2,250,000+ for individual properties, with blanket mortgage options from $500,000 to $30,000,000+ for larger portfolios.

True Stated Income Financing for Rental Properties

This is a genuine stated income program with absolutely no tax returns required for investor rental properties in most states. We underwrite based on the property's rental income, appraised value, and the borrower's credit profile rather than personal income documentation.

For larger rental portfolio transactions with similar guidelines and loan amounts ranging from $500,000 to $30,000,000+, review our residential blanket mortgage program.

There is no limitation on the number of properties that can be financed for a single borrower. This is not a hard money loan. Sensible, asset-based underwriting determines the loan amount and rate.

What Are the Guidelines for Stated Income Investment Loans?

Our stated investor program is built for active rental property investors who need financing without the documentation burden of traditional banks. Here are the typical guidelines:

• Loan Amounts: $100,000 to $2,250,000 per property
• Maximum LTV: Up to 80% LTV (75% for cash-out refinance)
• Amortization: 25 and 30 year terms
• Fixed Rate Options: 3-year and 5-year fixed rates
• Competitive interest rates
• No balloon payments or call options
• Cash-out permitted with reasonable underwriting
• Prepayment options available
• Minimum 650 credit score
• No limit on number of financed properties

Can you get a stated income loan with a large existing portfolio? Yes. Unlike traditional banks that impose limits on financed properties, we place no restrictions on portfolio size. Whether you own 5 rentals or 500, each loan is evaluated on the individual property's merits.

Sensible, asset-based underwriting determines the loan amount and rate -- not your personal income

Blanket Mortgage Options for Larger Portfolios

Investors with portfolios of rental properties can benefit from consolidating multiple mortgages into a single blanket loan. This approach simplifies management, reduces total borrowing costs, and makes it easier to track cash flow across your entire portfolio.

Our blanket mortgage program offers the same stated income underwriting, meaning no tax returns and no personal income verification. Qualified sponsors with rental portfolios can access competitive long-term rates with the ability to service debt efficiently.

Who Is This Program Best Suited For?

• Self-employed investors whose tax returns do not reflect their true earning power
• Portfolio investors who have hit conventional lending limits
• Investors seeking cash-out refinancing to fund additional acquisitions
• Borrowers who need fast closing without lengthy income documentation processes
• Real estate professionals managing multiple investment properties across states

Contact one of our loan specialists to discuss your specific situation. Our programs are constantly evolving to meet the needs of active investors, and we can structure financing around your unique portfolio requirements.