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Light Document Program

Program Highlights

Loan Amounts: up to 5 Million
Interest Rates: 7-9%
Max LTV: 80%
Amortization: up to 30 years Appraisal:  Fees Due at Closing Lender Origination Fee: $3500- Due at closing –  NO POINTS Credit Score: Minimum 650  
PROPERTY TYPES Multifamily, Mixed-Use, Office, Retail, Light Industrial, Warehouse, Self-Storage, Mobile Home Park, Daycare Center, Restaurant, Bar  
LOAN PURPOSE Purchase, Refinance, Cash-Out Refinance  
PREPAYMENT 5% for 5 years, 5% for 3 years, Declining (5,4,3,2,1)
  OCCUPANCY Investor and Owner-Occupied
BORROWER U.S. Citizens, Permanent Resident Aliens, Legal Entities

Bank Statement

Best for business owners who prefer to prove their income by providing 12 consecutive months of business bank statements instead of tax returns.

Stated Owner-Occupied

Best for owner-occupied transactions where the business owner has difficulty documenting their income for traditional lenders.

Light Doc Investor

Best for investors who may not be able to disclose certain financial information or whose properties are more valuable than a tax return might show.


  • No tax returns or 4506T required
  • Cash-outs available
  • No seasoning requirements
For Stated Owner-Occupied Program: Guarantor(s) are not required to provide personal or business tax returns to qualify for this program. Guarantor(s) may be eligible for a different loan program with more favorable terms if verifiable documentation such as personal and/or business tax returns are provided.

Call Today to Discuss Your Commercial Loan 214 840 9410

Or Complete online pre qualification application