Stated Income Investor Loans

Stated income loans let rental property investors qualify based on verified lease income and property cash flow — no personal tax returns, no W-2s, and no employer verification required. If you're self-employed, operate through an LLC, or simply prefer not to share personal financials, this program was built for you.

We lend on the income the property produces, not your personal income. Minimum 650 FICO score, up to 80% LTV, and available in all 48 contiguous states. Whether you're purchasing a new rental, refinancing existing debt, or pulling cash out of built-up equity, our stated income program delivers competitive rates without the paperwork burden of conventional lending.

Skip the Tax Returns — Qualify on Property Income

Our stated income program qualifies you on verified lease income and LTV. No W-2s, no personal income verification, no 4506-T. Most loans close in 2-4 weeks.

Apply Now Call 888-375-7977

Program Highlights

  • No personal tax returns — qualify on verified lease income and property cash flow
  • No W-2s or employer verification — ideal for self-employed investors and LLC operators
  • Minimum 650 FICO — prior bankruptcy OK with 2+ years discharge and rebuilt credit
  • Up to 80% LTV — purchase and rate-term refinance (75% for cash-out)
  • Eligible property types — single-family (1-4 units), condos, townhomes, and multifamily apartments
  • Partner buyouts accepted — buy out a co-investor using stated income qualification
  • Nationwide lending — all 48 contiguous US states

Who Qualifies for a Stated Income Loan?

Stated income programs work well for investors who have strong properties but non-traditional income documentation. That includes self-employed borrowers, real estate professionals who reinvest most of their income, and investors with complex tax structures that make DTI-based qualification difficult.

The key qualification factors are the property's income performance (verified through lease agreements and bank statements), your credit profile (650+ FICO), and the loan-to-value ratio. If the property cash flows and you have decent credit, you're likely a fit. Our no-ratio DSCR program is another option if you want to eliminate the debt service coverage requirement entirely.

Available Loan Structures

Stated Income Articles & Guides

Learn more about stated income lending for rental property investors:

Talk to a Stated Income Specialist

Our team works with self-employed investors and LLC operators every day. Call us to discuss your properties and we'll tell you exactly what program fits — no obligation, no credit pull.

Apply Now Call 888-375-7977