Stated income loans have evolved, providing a crucial lifeline for self-employed individuals and investors who write off significant expenses on their taxes. Instead of judging your creditworthiness based on net taxable income, we look at the asset and alternative documentation.
Whether through bank statements, P&L statements, or the property's own cash flow, our stated income alternatives get you approved when traditional methods fail.
A program where we calculate your income based on 12-24 months of deposits into your personal or business bank accounts.
No. Modern stated income (like DSCR or Bank Statement) requires actual proof of cash flow or massive equity protection. They are highly regulated and secure.
They carry a slight premium over conventional A-paper rates to account for the alternative underwriting.
Our programs are strictly for investment properties.
If utilizing a P&L program, a CPA or licensed tax preparer may need to verify the statements.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT