Investment Property Commercial Real Estate Financing: No-Doc Stated Income

Riverbank Is the Premier No-Doc/Stated Income Investment Property Commercial Real Estate Lending Resource

Since 2012, Riverbank has been lending primarily to real estate investors, developers, contractors, property owners, and self-employed borrowers. We’re creative, flexible, and fast, providing private capital on deals that make sense. Our common-sense underwriting and approvals are designed to make the lending process as easy fast and as straightforward as possible.

Up to 30-Year Fixed-Rate Commercial Mortgage

New programs are available for quality commercial real estate with rates on par with the lowest bank rates, but with terms of up to 30 years. No global cash flow underwriting required, with rates starting at 6.99%!

Are you a real estate investor or business owner who’s been turned down by your local bank or credit union? Riverbank Commercial Capital can get you the cash you need.

Our program was created to meet the needs of real estate investors, property owners, and self-employed borrowers who require no income verification. We underwrite the property and its ability to support a mortgage.

Simple application + credit report + appraisal = funding!

Loans can close in as little as 14–21 days with only an appraisal. Riverbank Commercial Capital lends on deals ranging from $250,000 to $5,000,000.

We have unlimited capital and are expertly positioned to meet the needs of borrowers who fall outside of traditional bank parameters. Maturing bank loans and turndowns are welcome. We’re great to work with and do what we say.

Property Types We Consider

Most property types are considered, including:

  • Multi-Family Apartments: 5+ units, including SFRs, 2–4 units, short-term rentals, and Airbnb properties
  • Mixed-Use Properties: Student housing and SROs
  • Commercial Retail: Commercial retail buildings, strip shopping centers, medical offices, and NNN properties
  • Small Office Buildings: Owner-occupied or investor properties, with a preference for multi-tenant buildings
  • Industrial & Hospitality: Warehouses, light industrial properties, hotels, motels, bed and breakfasts, restaurants, and bars
  • Special-Purpose Properties: Self-storage facilities, small golf courses, marinas, and other special-purpose properties
  • Other Property Types: Mobile home parks, day care facilities, schools, hair salons, funeral homes, auto repair/service shops, auto body shops, car dealerships, and more

Fast Funding Programs

We provide fast funding for:

  • Bridge Loans
  • DSCR Loans
  • Cash-Out Refinancing
  • Rental Property Refinancing
  • No Doc - Stated Income Loans
  • Multi-Family - Mixed Use
  • Commercial Real Estate

Equity Only Funding

We also provide fast equity funding with:

  • No DSCR requirements
  • Up to 50% LTV of the as-is value
  • No minimum FICO requirement
  • No-doc stated income
  • 30-year fixed-rate options
  • Fast cash
  • Closings in as little as 10 days

30-Year Fixed-Rate Commercial Real Estate Loans

Our 30-year fixed-rate loans are fully amortizing, with no balloon payment or maturity requirement on most loans.

This type of financing is highly uncommon for commercial real estate loans and has historically not been available through traditional banks. LTVs are determined based on the overall risk and credit profile.

Our rates are extremely competitive and can be lower than SBA loans, with fixed terms of up to 30 years.

This is NOT hard money!

We offer financing for:

  • Purchases
  • Refinances
  • Cash-Out Refinances

Approvals can be provided within 24 hours, with a fast funding process and light documentation.

Rather than focusing on the borrower’s personal income, we underwrite the property’s cash flow or equity. This can result in easier approvals with less hassle and red tape than the traditional bank lending process.

We Also Specialize In:

Bridge Loans

  • Bridge rates from 9% to 12%
  • 1-30 year terms with interest reserves
  • Rehabs, Repositions, PIP's, Reflags & Distressed Assets
  • $1 million to $20 million loan sizes
  • Up to 80% LTC financing 100% of rehab
  • Mezz & Joint Venture Equity available
  • 14-30 days closing
  • Recourse and Non-Recourse
  • 5+ Units Fix/Flip & Construction
  • 5+ Construction to Perm
  • Commercial Construction
  • Multifamily 5+ units, Mixed-Use, Office, Retail, Warehouse, Self Storage, Automotive, RV Parks

Perm Financing

  • Fixed and Floating rates starting at 7%
  • 5/10/15 year fixed rates with 25-30 year amortizations
  • Rehabs, Repositions, PIP's, Reflags allowed
  • $1 million to $20 Million loan sizes
  • Up to 75% LTV
  • Mezz & JV Equity available
  • 21-40 days closing
  • Recourse and Non-Recourse
  • 10, 15, 20 and 30 year fixed
  • Multifamily 5+ units, Mixed-Use, Office, Retail, Warehouse, Self Storage, Automotive, RV Parks
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