Stated Income Loans – Require No Income Proof
Capital Investors Direct will provide you with a quick and hassle-free pre-qualified stated income loan. We offer fast approval with fewer documents.
Secure Loan Fast
Efficient Communication
No Hidden Fees
Reliable Terms
Flexible Terms
When Bank Says No… We Say Yes!
Stated income is an underwriting component of many commercial real estate mortgages to measure income available to repay the loan. Here the borrower’s income stated but not verified.
It focuses on the commercial property’s value to know the capability of repaying the mortgage, interest & insurance of the approved stated income loan. Here your credit score doesn’t have much significance.
Stated income loan is a perfect fit for borrowers who don’t qualify for traditional loans based on TAX RETURNS or W-2 INCOME. Self-employed individuals can easily avail of this loan as it requires no income verification & has a credit score requirement as low as 650. This loan is ideal for entrepreneurs, freelancers, realtors, and consultants.
You Need A Stated
Income Loan
- When you don’t have an income proof of at least two years
- When you need cash for your business
- When your salary is low but earns a high commission
- When you want to buy commercial property
- When you want to apply for refinances or cash-out refinances
Apply Now If You Have These Documents
- Credit Score 650 and above
- Bankruptcy(s) outside of 2 years
- Copy of Driver’s License
- Copy of Social Security Card
- Address history last two years?
- How long at current address?
- Rent or own currently?
- If renting, current rent paid/month?
- Employment history last two years?
- If self-employed, the name of company-owned?
- Current job title?
- How long in a current job title?
- Married or Unmarried?
- How many dependents and their ages?
- Hazard insurance DEC page showing annual premium
- Current mortgage statement
- Purchase agreement (if purchase loan)
- Credit authorization – Download Here
Stated Income Loan Specifications for Commercial Real Estate
Asset Class:
Multifamily / Mixed-Use / Retail / Office /Commercial Properties
Occupancy:
None Required
Amortization:
Interest Only Available/Fixed/ARM
Loan Size:
$150,000 – $5M+
Loan Purpose:
Purchase / Rate / Term & Cash-Out Refinance

Commercial Projects We Fund
Capital Investors Direct, provides access to investment capital for commercial real estate funding. Here’s a list of properties you can acquire with investment property loan:

Locations We Cover
Capital Investors Direct provides loan financing options in the following geographic locations of the United States:
– All 50 states and US Territories (Puerto Rico; US Virgin Islands)
– Top 200 MSA Tier I & Tier II Cities (population above 50,000; metropolitan areas; etc.)
Why Choose us
Our list of happy clientele speaks for itself. We believe in a simple theory, listen to your customers, and go above and beyond to deliver. Together we bring years of expertise, market knowledge, and detailed insights about the right commercial real estate investment options. With a team that champions in their respective areas, we are committed to only deliver the best.
“With personalized service on our agenda, Capital Investors Direct is here to make your life easy”
How It Works?
Start your stated income loan application today!
or Call Us At (800).348.8120
Mortgage Calculator
5%
1%
5%
$1421
Monthly Payment
Principal & Interest $1421
Monthly Taxes $1421
Get Quick Approval For Stated Income Loan
Get In Touch
11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)
Get Approved For A
Hard Money Loan
Get In Touch
11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)
Frequently Asked Questions
Can I get a state income loan with bad credit?
If you have a credit score of 650 or more, CID will provide you a stated income loan.
Are stated income loans available in all states?
No. It depends on the stated income loan program. Some of the states do not have stated income available.
Do you require personal tax returns?
No. We don’t require your personal tax return.
How long will it take to close a stated income loan?
Usually, if you have all the documents ready, we will close a loan in 7 to 10 days.
Direct Capital Investment Firm
We are here to work for the new world that is currently being shaped by digital transformation. While the industry is dealing with the change, we have adapted and transformed ourselves to offer the best solutions in the country.
Loan Programs
Bridge Loan
Hard Money Loan
State Income Loan
Investors Property Loan
Contact
Get In Touch
11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)