What is a Stated Income Loans?
Stated income loans allow borrowers to state their income without providing the full traditional documentation typically required. Modern versions often require some verification (bank statements, CPA letters) but bypass the need for tax returns and W-2s.
Key Features
- Reduced income documentation requirements
- No tax returns needed
- Bank statements or CPA letter may be used
- Self-employed and business owners
- Investment and primary property options
- Flexible underwriting guidelines
Who Is This For?
Self-employed borrowers, business owners, or investors whose true income is difficult to document through traditional means but can demonstrate ability to repay.
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