Stated Income Commercial Loans Texas — No Income Verification
Self-employed? Write-offs making your income look low? We don’t need your tax returns.
Stated income commercial loans for Texas business owners, investors, and self-employed borrowers.
All credit welcome. Foreign nationals OK. Same-day LOI. Direct lender since 1998.
Your Tax Returns Don’t Tell the Whole Story — We Know That
Self-employed borrowers use every legal deduction available — which means your taxable income looks far lower than your actual cash flow. Banks penalize you for being smart about taxes. We don’t.
No Tax Returns Required
We don’t ask for 2 years of returns. You state your income — we look at assets, property value, and equity. No verification required on stated income programs.
Self-Employed Welcome
Business owners, independent contractors, LLC owners, real estate investors — if your income is hard to document the traditional way, stated income was built for you.
All Credit Welcome
Bad credit, past bankruptcy, or low FICO doesn’t disqualify you. Assets and equity drive approval on most programs.
Foreign Nationals Welcome
International investors and non-US citizens with no US income documentation. Asset-based approval, no US returns required.
Beat the Bank — Rate & Term
Some programs offer rates lower than many banks AND terms up to 30 years. You don’t have to pay more just because you’re self-employed.
Same-Day LOI
Letter of intent issued the same day. No months of underwriting before you know if you’re approved.
Who Stated Income Loans Are Built For
If any of these sound like you, call us — we can likely help.
Self-employed with strong cash flow but write-offs that make taxable income look low
Business owner who can’t show 2 years of consistent W-2 or return history
Real estate investor with income spread across multiple LLCs or properties
Foreign national with no US income documentation
Recently self-employed — not enough history to satisfy bank income requirements
Broker with a self-employed client who keeps getting declined at banks — we pay referral fees
Common Questions
What borrowers ask before calling about stated income loans.
Searching for a stated income commercial loan near me in Texas?
Yes — we’re a Texas direct lender closing stated income commercial loans statewide since 1998. Houston, Dallas, San Antonio, Austin, Fort Worth, and every Texas county. No income verification, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees.
What exactly does “stated income” mean?
You state your income on the application — we do not verify it with tax returns, W-2s, or bank statements. Approval is based on your assets, the property value, and your equity position. It was created for self-employed borrowers whose documented income doesn’t reflect their actual financial strength.
Is my credit score a factor?
On stated income programs, credit is reviewed but is not the primary factor. Assets and property equity drive approval. We work with all credit profiles — 500 to 800+.
What property types qualify?
All commercial property types — multifamily, retail, office, industrial, mixed-use, land. If it’s commercial real estate in Texas with equity, call us and we’ll tell you if it qualifies.
Get Your Stated Income Loan LOI Today
No tax returns. No income verification. Same-day LOI, no upfront fees.
All credit welcome. Self-employed OK. Direct lender since 1998.