A stated income loan allows an investor to qualify without traditional personal income verification such as W-2s, pay stubs or personal tax returns. GreenBridge does not verify personal income for this program and does not use a traditional debt-to-income ratio.

Eligible properties include non-owner-occupied single-family homes, condominiums, townhouses and 2–4 unit residential investment properties. Property eligibility is subject to location, marketability and underwriting.

No. Initial prequalification and pricing do not require a credit pull that impacts your score. A credit report is required later during underwriting before the loan can fund.

There is no minimum credit score. Credit can affect the maximum LTV and available pricing, but there is no hard FICO score that automatically determines eligibility. A credit report is required during underwriting.

The minimum loan amount is $75,000. Residential stated income loans are available up to $3 million on eligible properties. Property-specific maximums apply, so larger requests should be submitted for review rather than assumed ineligible.

Fixed-rate financing is available with terms up to 30 years. Shorter amortization options and interest-only periods may also be available on eligible transactions.

Financing is available up to 75% LTV on eligible residential investment properties. Maximum leverage can vary based on credit profile, investor experience and other underwriting factors.

No. Residential stated income loans are business-purpose loans for non-owner-occupied investment properties and cannot be used to finance a primary residence.

All properties must be non-owner-occupied investments. At 50% LTV or less, there is no minimum tenant-occupancy requirement. Above 50% LTV, a single-unit property being refinanced must be tenant-occupied or have an executed lease agreement before closing. A single-unit purchase may be vacant. For properties with 2–4 units, at least one unit must be rented in a duplex, two units in a triplex, and three units in a fourplex.

Yes, depending on the transaction. A single-unit purchase may be vacant, and loans at 50% LTV or less have no minimum tenant-occupancy requirement. Above 50% LTV, a single-unit refinance must be tenant-occupied or have an executed lease agreement before closing. Multi-unit properties must satisfy the applicable rented-unit requirements.

Required documents for funding include a property appraisal, title, insurance, identity, and entity documentation (if applicable).

Yes. The program can be particularly useful for self-employed real estate investors because personal income is not traditionally verified and there is no conventional DTI requirement.

Initial loan approval is generally completed within 1–2 business days after we receive the completed application and initial underwriting documents. Once all required documents and conditions have been received, a loan can typically close within 3–5 business days. Overall timing depends largely on the appraisal and title work, which take approximately seven days on average.

Yes. Stated income financing is available for purchases, rate-and-term refinances and cash-out refinances of eligible residential investment properties.

Prepayment terms vary based on the property, loan structure and jurisdiction. Depending on the transaction, there may be no prepayment penalty, while other loans may include a prepayment period generally ranging from one to five years. Available structures are reviewed as part of the loan terms.

Potentially. Eligible transactions may permit subordinate financing up to a 90% combined loan-to-value (CLTV), provided the GreenBridge first-lien loan remains within its applicable LTV limit. For example, a seller-held second mortgage may be used in an eligible purchase transaction. Final structure is subject to underwriting.

Yes, stated income loans can be used for refinancing.

Yes. The amount depends on the approved LTV and overall loan structure. GreenBridge first-lien financing may be available up to 75% LTV, which generally means a down payment of 25% or more when no subordinate financing is used. Eligible transactions may permit subordinate financing up to 90% CLTV—such as a seller-held second mortgage—potentially allowing a purchase with 10% cash down. All structures are subject to underwriting.