★★★★★ 4.8 Google Reviews   |   ✓ Direct Lender Since 1998   |   ✓ No Upfront Fees   |   ✓ 48-Hour Approvals   |   ✓ All Credit Welcome

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Do the whole thing online, or talk to a person. Whichever you prefer.

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Send us the deal, get terms back in writing. We never pull your credit to quote — no inquiry, no score impact. Tick “email only” and we will not call you either. Nothing to lose by asking.
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Stated Income Commercial Loans Texas — No Income Verification

Self-employed? Write-offs making your income look low? We don’t need your tax returns.
Stated income commercial loans for Texas business owners, investors, and self-employed borrowers.
All credit welcome. Foreign nationals OK. Same-day LOI. Direct lender since 1998.

No Income Verification No Tax Returns Self-Employed OK Bad Credit OK Foreign Nationals Welcome All Property Types Interest Rates Lower Than Many Banks Up to 30-Year Fixed Terms Same-Day LOI Direct Lender Since 1998

Your Tax Returns Don’t Tell the Whole Story — We Know That

Self-employed borrowers use every legal deduction available — which means your taxable income looks far lower than your actual cash flow. Banks penalize you for being smart about taxes. We don’t.

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No Tax Returns Required

We don’t ask for 2 years of returns. You state your income — we look at assets, property value, and equity. No verification required on stated income programs.

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Self-Employed Welcome

Business owners, independent contractors, LLC owners, real estate investors — if your income is hard to document the traditional way, stated income was built for you.

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All Credit Welcome

Bad credit, past bankruptcy, or low FICO doesn’t disqualify you. Assets and equity drive approval on most programs.

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Foreign Nationals Welcome

International investors and non-US citizens with no US income documentation. Asset-based approval, no US returns required.

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Beat the Bank — Rate & Term

Some programs offer rates lower than many banks AND terms up to 30 years. You don’t have to pay more just because you’re self-employed.

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Same-Day LOI

Letter of intent issued the same day. No months of underwriting before you know if you’re approved.

Who Stated Income Loans Are Built For

If any of these sound like you, call us — we can likely help.

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Self-employed with strong cash flow but write-offs that make taxable income look low

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Business owner who can’t show 2 years of consistent W-2 or return history

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Real estate investor with income spread across multiple LLCs or properties

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Foreign national with no US income documentation

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Recently self-employed — not enough history to satisfy bank income requirements

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Broker with a self-employed client who keeps getting declined at banks — we pay referral fees

Common Questions

What borrowers ask before calling about stated income loans.

Searching for a stated income commercial loan near me in Texas?

Yes — we’re a Texas direct lender closing stated income commercial loans statewide since 1998. Houston, Dallas, San Antonio, Austin, Fort Worth, and every Texas county. No income verification, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees.

What exactly does “stated income” mean?

You state your income on the application — we do not verify it with tax returns, W-2s, or bank statements. Approval is based on your assets, the property value, and your equity position. It was created for self-employed borrowers whose documented income doesn’t reflect their actual financial strength.

Is my credit score a factor?

On stated income programs, credit is reviewed but is not the primary factor. Assets and property equity drive approval. We work with all credit profiles — 500 to 800+.

What property types qualify?

All commercial property types — multifamily, retail, office, industrial, mixed-use, land. If it’s commercial real estate in Texas with equity, call us and we’ll tell you if it qualifies.

Get Your Stated Income Loan LOI Today

No tax returns. No income verification. Same-day LOI, no upfront fees.
All credit welcome. Self-employed OK. Direct lender since 1998.

📞 877-895-3634 Apply Online — 3 Minutes
Service Areas: Houston | Dallas | Austin | San Antonio | Fort Worth | Near Me TX Construction Rates
Common Questions: Credit Score Required | How Long to Close | Hard Money vs DSCR | Bad Credit OK | DSCR Requirements | No Income Verification | Minimum Down Payment | Documents Required
✆ Call 877-895-3634 📄 Free Quote
Which no-doc programme fits

Four Ways to Borrow Without Tax Returns — and How to Tell Which One You Need

“Can I get a commercial loan without showing tax returns?” is the question we hear most. The answer is yes, on several different programmes — and they are not interchangeable. Picking the wrong one is what turns a three-week close into a three-month one.

Property income

DSCR

Qualifies on the property’s rent, not your personal income: monthly rent divided by the monthly payment including taxes and insurance.

  • Lease or rent roll
  • Purchase price or appraised value
  • Credit is reviewed on these programmes
  • No personal tax returns
Equity

Hard money

The lightest file of the four. The property and your equity position carry the loan, so there is no income verification of any kind.

  • Up to 65% LTV — hard money only
  • No minimum credit score
  • Closes in 7–14 days
  • Best for distressed or time-critical deals
You state it

Stated income

You state your income on the application and it is not verified against tax transcripts or returns. Assets, value and equity drive the decision.

  • No returns, no W-2s
  • Bank statements sometimes asked for as a soft check
  • Sits between DSCR and full-doc bank lending
Deposits

Bank statement

Uses 12–24 months of business bank statements instead of returns. An expense factor is applied to gross deposits and the result is your qualifying income.

  • No Schedule C, no business returns
  • Built for write-off-heavy borrowers
  • Needs steady deposit history

Why Your Tax Returns Are Often the Wrong Document

Banks read tax returns to verify personal income and test your ability to repay. On an income-producing commercial property that is the wrong question. What matters is whether the building covers the payment — and a self-employed borrower who uses every legal deduction available will always look poorer on paper than they are in cash flow. You are not penalised here for being efficient about tax.

That is the whole logic behind no-doc lending, and it is why these programmes are the normal route on investment property rather than an exception made for difficult files.

⚠ Where No-Doc Stops Working — Read This Before You Apply

No-doc programmes are built for investment property. If you are buying or refinancing a building your own business will occupy, you are usually looking at SBA or conventional bank financing, and both of those do require tax returns. Owner-occupied is the one case where the paperwork is unavoidable.

Tell us which it is on the first call and we will point you at the right programme immediately rather than six weeks in.

Who These Programmes Were Built For

Investors carrying paper losses on Schedule E from depreciation. Self-employed borrowers whose net taxable income does not resemble their actual earnings. Owners of several properties across multiple entities whose overall tax picture takes an accountant a week to explain. Foreign nationals with no US income documentation at all. Anyone recently self-employed without the history a bank wants to see.

Our minimum loan is $200,000, and we lend in Texas and the 43 states we serve.

Not Sure Which One You Are?

Tell us the property and what you are trying to do. We will tell you which programme fits and what it will take — in writing, the same day.

Get Terms in Writing

or call 877-895-3634 and talk to a lender, not a call centre

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📞 Free Quote — 877-TX-LENDING (877-895-3634)