Written & reviewed by Stephen A. Sobin, President of Select Commercial Funding LLC
Program
No Income Check Commercial Mortgage
Select Commercial arranges no income check commercial mortgages, asset-based loans underwritten primarily to the property’s cash flow and equity rather than to the borrower’s personal income documentation. These programs suit investors and self-employed borrowers with strong properties but complex tax returns.
Get a Free QuoteHow No Income Check Loans Work
Rather than relying on personal tax returns and W-2 income, these programs qualify the loan on the subject property: its rent roll, operating statements and debt-service-coverage ratio, supported by the borrower’s credit and equity. That makes them a fit for investors with multiple properties, self-employed borrowers, and buyers whose tax returns understate their true cash flow. Leverage is typically more conservative than fully documented loans, and pricing reflects the reduced documentation.
Financing Options in Commercial
Commercial apartment, multifamily and commercial properties each have dedicated financing. Pick the page that matches your property:
Financing in another state? Explore our apartment loans, multifamily loans and commercial mortgages nationwide.
What Our Clients Say
“As a real estate attorney, I trust that Select Commercial will deliver commercial mortgages in a timely manner. My clients are always handled professionally, and the rates and terms are excellent. I heartily recommend them.”
David S. · New York City“I needed an SBA loan and found Select Commercial. It was obvious Stephen knew everything about commercial loans. If you are starting a small business, definitely give them a call.”
Larry S. · Washington, DC“Select Commercial was very helpful with my commercial mortgage. I needed to increase cash flow due to maintenance on my property. Stephen went over several options and got me the funds while lowering my payments.”
Gary M. · Portland, OR“Select Commercial offered 100% financing for my medical practice when my bank would have required 20% down. They delivered something my bank could not, and handled everything professionally.”
John C. · Boston, MAGet a Free Quote
No cost, no obligation. Written answers within 48 hours on loans from $1,500,000.
- No application or processing fees
- Written answers within 48 hours
- For 5+ unit and commercial properties, $1.5M and up