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Stated income loans real estate

Stated Income Loans
for Residential Investments

Will not impact credit score

Residential Loans  > Stated Income Loans


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Stated income loans. Less documentation, faster funding.

Stated income loans offer a unique opportunity for investors looking to finance residential investment properties without the rigorous documentation typically required by traditional lenders. Our specialized Stated Income Loan program is tailored to help you unlock the potential of your investment with ease and efficiency.

Reliable lending with no income verification.

No income verification

No W-2s or tax returns required. We understand that the income of real estate investors can fluctuate and be difficult to document. Our loans are based on the property's value and its potential income, not your personal income documentation.

30-Year Fixed Rates

Stability is key in any investment, and our Stated Income Loans for real estate investors come with 30-year fixed rates. This provides you with the predictability and security you need to plan for the future, ensuring that your financing costs remain consistent over time, no matter how the market fluctuates.

Ultimate flexibility

Flexibility is the name of the game when it comes to the Stated Income Loan program. Credit score requirements are low, no DTI ratios, first-time investors are eligible, and no minimum DSCR for most loan amounts.

Stated income loan terms, rates, and more!

No credit pull

Stated income business loan
Stated Income loans for real estate investors

Stated Income Loan Program

Basic Guidelines & Qualifying Criteria

Choosing Greenbridge Loans means partnering with a lender that believes in your properties potential as much as you do. Our Stated Income Loan Program is designed to provide you with the financial agility necessary to seize opportunities swiftly and confidently. We're here to facilitate your success, offering not just loans but also guidance, insight, and the assurance that comes from working with a dedicated financial ally.


Dive into the details of our basic guidelines and qualifying criteria to see how our Stated Income Loan Program can align with your goals as a real estate investor. At Greenbridge Loans, we're committed to transforming your investment dreams into tangible realities with financial solutions that understand and address your needs.




Minimum Loan

Maximum Loan

Maximum LTV

≥ 600

≥ 75%

1 year min.

Credit Score

Occupancy Rate

Prepayment Penalty

8.75% +


Fully Amortized

Fixed Rates



Lending Territory

The stated income loan program is currently available in 35 states, each listed below. We prefer major metro areas and their surrounding suburbs, however, we will consider all property locations (no rural) as long as it meets one of two population requirements. For a property to be eligible, the city/town must have a population of at least 25,000. If less than 25,000 then the subject property should be located within 25 miles of a city with at least 100,000 in population.

Approved States



















New Hampshire

New Jersey

New Mexico

New York

North Carolina




Rhode Island

South Carolina





Washington, D.C.

West Virginia


Stated Income Loan lending area.png
States where we lend stated income no-doc loan
Stated Income Loan guidelines

Find out if you qualify in under 3 minutes.

Will not impact credit score

What is a stated income loan?
Stated Income loans for real estate investors

How does the funding process work?


The first step is the most important, discovering if your unique scenario qualifies for a Stated Income Loan. This can be done in under 3 minutes right here on our website without any sensitive information; our main focus will be on the property. You can call us toll-free at 888-860-3612 to discuss your scenario with a Loan Advisor.

Loan Approval

Once you've been prequalified you'll receive a detailed quote, along with your loan application. After completing and e-signing your loan application you'll receive access to our loan portal where you can upload all required documents necessary to pre-underwrite and approve your loan.


Once we've issued your loan approval, the next step is a property appraisal. While we wait for the completed appraisal report, we're still actively working on preparing your loan for funding. We use this time wisely, and to our benefit, by working to clear any final conditions, such as updating your property insurance policy.


The big day! The good news is that we make closing simple and straightforward. Just pick a day, time, and location that works best for you and the closing attorney or title company will send a settlement agent to meet you with your closing package. We make sure that your Loan Advisor will be available during closing in the event you have any specific questions.

Ready for your Stated Income Loan quote?

Pre-Approval will not impact credit.
Funding process - Commercial Stated Income Loans

QUICK QUOTE: Stated Income Loan

Apply for Commercial Stated Income Loans

Please complete all required fields below to generate your Quick Quote. There is no sensitive information required to receive initial loan pricing and terms. To ensure accuracy, please answer all questions to the best of your ability as it will directly impact loan pricing.

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