Alternative documentation pathways for commercial real estate financing across the USA and Canada—designed for qualified borrowers with non-traditional income profiles.
In commercial lending, stated-income uses alternative documentation when traditional tax returns or financial statements fail to reflect true borrower cash flow.
Stated-income or alternative documentation options may be considered when:
If the property generates sufficient income relative to the loan payment, the deal may be financeable—subject to lender guidelines and borrower profile.
Stated-income and alternative documentation programs may be suitable for:
Common alternative documentation methods in commercial lending depend on lender guidelines and property type.
Lenders analyze business bank statements to assess real operating cash flow rather than relying on tax returns.
Personal statements may support income stability and liquidity when combined with qualifying business documentation.
Third-party professional letters help explain income, operations, or discrepancies but do not replace financial documentation.
Strong assets may help offset limited income documentation by demonstrating liquidity, stability, and repayment capacity.
Lenders typically focus on:
Evaluate borrower profile, property details, and financing goals to determine suitability for stated-income programs.
Identify acceptable alternative income documentation methods to meet lender requirements and support loan approval.
Match borrowers with lenders offering stated-income programs that align with property type and financial profile.
Organize statements, CPA letters, and supporting documents to create a complete, lender-ready application package.
Lender carefully reviews risk factors, income documentation, and borrower profile before issuing loan approval.
Finalize loan terms, execute documents, and disburse funds to complete the financing process.