Quick answer: Stated income commercial loans allow self-employed borrowers and real estate investors to qualify based on the property's cash flow rather than full personal income documentation. These loans typically require a DSCR of 1.0+, 20-25% down, and 650+ credit score. They are ideal for investors whose tax returns don't reflect actual cash flow. Apply with Surge Financial for no upfront fees.
Stated income commercial loans allow borrowers to qualify based on the property's cash flow rather than full personal income documentation.
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