Stated Income Commercial Commercial Real Estate Loans for Self-Employed Investors in Colorado
Get Stated Income Loans for Self-Employed in Colorado NOW! Are you a self-employed investor in Colorado looking to expand your commercial real estate portfolio? Stated income commercial real estate loans can be a valuable tool, offering an alternative to traditional loans that require extensive documentation. This guide provides a comprehensive overview of these loans, specifically for self-employed investors in Colorado, including requirements, current rates, and how GHC Funding can be your go-to lender.
What are Stated Income Commercial Real Estate Loans?
Stated income loans, also known as limited documentation loans, allow borrowers to qualify based on the income they state on the application, rather than providing extensive proof of income through tax returns and W-2s. This can be particularly beneficial for self-employed individuals who may have significant write-offs that reduce their reported income.
In this article:
Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!
⚡ Key Flexible Funding Options:
GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:
DSCR Rental Loan
- No tax returns required
- Qualify using rental income (DSCR-based)
- Fast closings ~3–4 weeks
SBA 7(a) Loan
- Lower down payments vs banks
- Long amortization improves cash flow
- Good if your business occupies 51%+
Bridge Loan
- Close quickly — move on opportunities
- Flexible underwriting
- Great for value-add or transitional assets
SBA 504 Loan
- Low fixed rates through CDC portion
- Great for construction, expansion, fixed assets
- Often lower down payment than bank loans
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For details on GHC Funding's specific products and to start an application, please visit our homepage:
- Benefits for Self-Employed Investors in Colorado
- Requirements for Stated Income Commercial Real Estate Loans in Colorado
- Current Stated Income Commercial Real Estate Loan Rates in Colorado (June 2025)
- GHC Funding: Your Colorado Commercial Real Estate Loan Partner
- Colorado Commercial Real Estate Investor Resources
- Q&A Relevant to "Stated Income Commercial Real Estate Loans for Self-Employed Investors"
- Q: Are stated income loans only for self-employed individuals?
- Q: What if my credit score is below 600?
- Q: Can I use a stated income loan to purchase any type of commercial property?
- Q: How much can I borrow with a stated income loan?
- Q: Are interest rates higher for stated income loans?
Benefits for Self-Employed Investors in Colorado
- Less Paperwork: Simplified application process with reduced documentation requirements.
- Faster Approval: Quicker processing times compared to traditional loans.
- Flexibility: Ideal for self-employed individuals with fluctuating income or significant business expenses.
Requirements for Stated Income Commercial Real Estate Loans in Colorado
While specific requirements vary by lender, here are some common criteria:
- Credit Score: A minimum credit score of 600 or higher is typically required. Some lenders may require 680 or even 700+.
- Down Payment: Expect to put down 20% to 30% of the property value.
- Self-Employment History: Most lenders require at least two years of self-employment.
- Bank Statements: You’ll likely need to provide recent personal or business bank statements (12-24 months).
- Business Documentation: Proof of business operation, such as a business license.
- Property Value: The property’s value must be sufficient to cover the loan amount, insurance, taxes, and other associated costs.
Current Stated Income Commercial Real Estate Loan Rates in Colorado (June 2025)
As of June 4, 2025, commercial mortgage rates are influenced by factors like the 5-year and 10-year Treasury rates. Here’s a general overview of current rates:
- Multifamily Loans: Starting around 5.42%
- Commercial Retail Mortgage: Around 6.83%
- CMBS Loans: Around 6.43%
Keep in mind that stated income loans may have slightly higher interest rates compared to traditional loans due to the increased risk for lenders. Rates can vary significantly based on the loan type, loan-to-value ratio, and the borrower’s credit profile. For the most up-to-date rates, it’s best to consult with a lender directly.
GHC Funding: Your Colorado Commercial Real Estate Loan Partner
GHC Funding provides commercial real estate and business loans and can be a valuable resource for self-employed investors in Colorado. They offer various loan programs, including stated income options, and can help you navigate the application process.
Colorado Commercial Real Estate Investor Resources
Here are some helpful resources for commercial real estate investors in Colorado, focusing on the Denver, Colorado Springs, Boulder, and Fort Collins areas:
- CBRE Colorado: CBRE offers comprehensive commercial real estate services, including property listings, market research, and investment advice. They have offices in Boulder, Colorado Springs, Denver Downtown, Denver Tech Center, and Fort Collins.
- Panorama Commercial Group: Panorama Commercial Group specializes in helping clients maximize their commercial real estate investments, offering expertise in buying, selling, leasing, and managing properties.
- Caliber: Caliber connects accredited investors with commercial opportunities in Colorado, focusing on properties in high-growth areas.
- Marcus & Millichap: Marcus & Millichap is a leading commercial real estate brokerage firm with a wide range of investment sales, financing, and advisory services.
- John Propp Commercial Group: John Propp Commercial Group provides expert services for commercial real estate investment properties in Denver, with a focus on 1031 tax exchanges.
Q&A Relevant to “Stated Income Commercial Real Estate Loans for Self-Employed Investors”
Q: Are stated income loans only for self-employed individuals?
A: While they are particularly beneficial for the self-employed, some stated income loan programs are available for other types of borrowers as well.
Q: What if my credit score is below 600?
A: It may still be possible to qualify, but you’ll likely need a larger down payment.
Q: Can I use a stated income loan to purchase any type of commercial property?
A: Most property types are considered, including apartments, retail spaces, office buildings, and industrial properties.
Q: How much can I borrow with a stated income loan?
A: Loan amounts can range from $1 million to $50 million, depending on the lender and the property.
Q: Are interest rates higher for stated income loans?
A: Yes, typically, stated income loans have slightly higher interest rates than traditional loans.
This guide provides a starting point for self-employed investors in Colorado seeking stated income commercial real estate loans. Remember to consult with multiple lenders, including GHC Funding, to find the best loan terms for your specific needs.
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