Lite Doc Commercial Mortgages

Using No Doc/Stated Income Loans for Commercial Real Estate

Like residential loans, conventional loans are amortized so borrowers have manageable monthly payments on the balance. Our No Doc/Stated Income loans offer more robust amounts and terms, with a higher LTV than traditional channels, giving commercial real estate investors the flexibility they need to acquire properties. Additionally, lower LTVs typically qualify for higher financing with conventional loans, because the higher equity stake means there is less of a risk involved. No Doc/Stated Income loans can be arranged quickly with fast closings, so commercial real estate investors can acquire properties and start generating revenue as quickly as possible.

Lite Doc Commercial Mortgages

  • Loan amounts $100K to $15 million
  • Terms from 5/7/10/15 or 30 years
  • Amortizations up to 30 years
  • Up to 80% LTV on all properties and this includes cash-out transactions.
  • Unrestricted cash outs
  • Express Capital Financing does not underwrite or require tax returns, W-2 or income verification for investors and owner occupied properties
  • Out of state investors
  • Rates at 8%+
  • Credit score: 650 score
  • Quick closings – as fast as 4 weeks

Property Types

Our conventional loans can be used in transactions for a multitude of property types, such as:

  • Multi Family 5+ Units
  • Auto Services
  • Day Care Center
  • Funeral Home
  • Investment Condo
  • Light Industrial
  • Mixed Use
  • Mobile Home Park
  • Office
  • Office Condo
  • Parking Garage
  • Restaurant
  • Retail
  • Self Storage
  • Townhome / Residential
  • Warehouse
  • Warehouse Condo



Ready to take the next step? We're here to help. Contact us today and let our private lending experts guide you towards personalized solutions tailored to your needs.