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Tag description | stated-income-loans
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not to provide income documentation or tax transcripts. Purchase loans to
Access an easy home loan up to $4,000,000 based on stated income, with a minimum credit score of 740. Skip the hassle and stress of
Commercial Mortgage Stated Income This Commercial Mortgage Loan Program Does Not Require Tax Returns or W-2’s Credit Score: 660 Middle Credit Score Loan Purpose: *
No income or asset documentation required—no 4506-T or 4506-C forms needed. As of June 2025, tax returns are not required for self-employed or W-2 borrowers.
Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key
Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to qualify based on rental income rather than personal
Real Estate Investors & DSCR Loans DSCR Loans give real estate investors to expand their portfolios by leveraging cash flow, offering flexibility and powerful financing
California SIVA program: State income on the 1003, verify assets (no tax returns/W-2s), up to $3,500,000 purchase or $2,000.000 cash-out refinance.
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