No Income Check Texas no income commercial mortgage lenders  has options available for no income check mortgage lenders mortgage loans. Many Texas Commercial mortgage applicants who are self-employed, or have trouble submitting their tax returns, have difficulty qualifying for a loan at their Texas bank. We offer many NO doc loan options based on bank statment deposits or Texas property cash flows, and in many cases, do not require tax returns. These loans are sometimes called No Income Check loans, No Income Verification loans, Stated Income loans, Lite Doc loans or NIV loans and even No Doc. Many Texas banks are very strict with their commercial loan approvals and underwrite their loans strictly off the commercial borrowers  tax returns. We understand that tax returns do not always tell the whole income story. We use a common-sense approach to underwriting Texas no income commercial mortgage lenders mortgage loans.

• Texas Commercial mortgage applicants who do not qualify for bank financing and need a more relaxed approach to income qualification.  This might include Commercial mortgage applicants with limited seasoning or limited experience owning their properties.
• • Standard Program:  Best for credit worthy business owners and investors looking for an alternative to restrictive bank requirements.
  • Lite Doc Investor Program:  Best for investors unable to disclose certain financial data or those whose Texas no income commercial mortgage lenders properties are more valuable than a tax return might indicate.
  • Owner-Occupied Stated Income Program:  Best for owner occupied properties where the self-employed business owner has difficulty proving their income, as required by their local banks.
  • Bank Statement Program:  Best for business owners who prefer to document their income by providing their monthly bank statements instead of providing their tax returns.
  • Texas Commercial mortgage applicants with limited post-closing liquidity. Our net worth and liquidity requirements are lower than the local bank.
  • Texas Small business owners who experience large fluctuations in income from year to year might have difficulty with their banks.  A no-income check loan might be an option.
  • Texas Commercial mortgage applicants who do not file tax returns often can’t obtain financing at their bank.  A stated income loan might be the solution.  This would also include out of state investors, as we have no residency requirements.
  • Texas Commercial properties that have experienced vacancy or turnover might not reflect enough income on their tax returns to qualify for a conventional Texas no income commercial mortgage lenders mortgage.  A lite doc loan might help in this case.  These loans include recently rented or recently stabilized properties with limited track record.
• Whether you are purchasing or refinancing Texas commercial property , we have the right solutions available for your stated income or no income verification loan. We will entertain loan requests of all sizes and property types.

STATED INCOME-NO DOC TEXAS MORTGAGE LENDERS