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STATED INCOME COMMERCIAL LOANS
OUR BIG
LOAN TRANSACTIONS
ARE THE SMALL AND MOST DIFFICULT ONES!
STATED INCOME / STATED ASSET UNDERWRITING
ON
SMALL COMMERCIAL LOANS FROM $100,000 TO $1,000,000
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We are dedicated to
providing financing solutions to borrowers whose needs are underserved
by traditional lending institutions.
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We specialize in non-conforming
properties.
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Our programs are carefully tailored
for real estate investors, the self-employed or the credit impaired
borrower, and the people who don't fit the traditional lending or
agency/bank guidelines.
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Our mission is to provide
financing solutions that offers the borrower convenience and confidence
that other lenders
elect not to provide.
PROPERTY TYPES
AUTO REPAIR & AUTO BODY SHOPS, GAS STATIONS, TRAILER PARKS, BARS, HOTELS, MOTELS, RESTAURANTS, BOARDING HOUSES, DRY CLEANERS, LAUNDROMATS,
USED CAR LOTS, MIXED-USE, MULTI-FAMILY, RETAIL, WAREHOUSES,
SELF-STORAGE FACILITIES, FUNERAL HOMES, TAVERNS, CAMP GROUNDS, JUNK
YARDS, ETC.
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ALL WE NEED TO
GET STARTED IS
A COMPLETED 1003 FORM,
TRI-MERGE CREDIT REPORT, AND OUR LOAN SUBMISSION FORM |
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SELLER SECONDS TO 90% LTV
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NO
IRS 4506 REQUIRED
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DTI RATIO 55%
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CREDIT SCORES DOWN TO 575
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GIFTS OF EQUITY
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INHERITED PROPERTIES WITH CASH OUT
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INVESTOR/SELF EMPLOYED
STATED
INCOME - STATED ASSETS
Underwriting up to
$800,000
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Programs |
Preferred Property Types |
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Blanket
Mortgages
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Purchases – up
to 95% CLTV
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Refinances
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Seller Seconds
to 95% CLTV
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Unlimited Cash
Out Refinance
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Inherited
Properties with Cash Out
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5% Cash Down
(Un-verified)
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DTI Ratio 55%
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Retail,
offices, Warehouses & Self-Storage
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Dry Cleaners, Manufacturing
Plants
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5 units & Up
(Apartments)
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Commercial -
Mixed-Use properties
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Restaurants,
Taverns, Hotels & Motels
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All types of
unique commercial properties considered!
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Program Features / Highlights |
Credit, Income or Other Challenges |
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Investor Stated Income-Stated Asset Underwriting
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Gifts of Equity
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No Employment Seasoning
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No IRS 4506 Requirements
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Lending in Name of Corporations, Trusts, or LLC
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Bankruptcy or
Foreclosure
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Liens,
Judgments, Collections
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Cross
Collateralization
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Interest Rates and
Terms |
Loan Amounts* |
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- $125,000 up to $800,000 PLUS
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SMALL COMMERCIAL
Lending Made Easy with
STATED INCOME / STATED ASSET
Underwriting
eMoney Lending has a unique Mortgage Division specializing in
non-conforming loans for the non-conforming borrower
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Investor – Self
Employed Stated Income – Stated Asset Underwriting
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Lending in Name
of Corporations, Trusts, or LLC
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Seller Seconds
to 90% CLTV
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Gifts of Equity
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No Employment
Seasoning on Investor Refinances
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No IRS 4506
Requirements
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Unlimited Cash
Out on Refinances
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Inherited
Properties with Cash Out
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Blanket
Mortgages Lieu of Cash
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We Can Make
Your Loan Needs A "Reality"
With Our 3 Easy Step Business Process |
eMoney Lending offers our clients Stated Income/Stated Asset underwriting with an
easy three-step lending solution. Fax the following:
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Completed
Loan Application Form (1003)
Click
Here
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Completed
Tri-Merge Credit Report (3 Bureau) Contact
us
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Completed
Loan Request Form (Print)
Click Here
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* If you are having problems opening the any form, it is probably because you do not have the ACROBAT
READER program. If this is the case, please click on the Acrobat
Reader button below and install their FREE version.
48
Hour Approval After Submission
CALL
EMONEY LENDING TODAY!
(714) 435-1187
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