Stated Income Financing
Stated Income Loans in Albany, NY
Albany is New York State's capital with a stable commercial market driven by state government, GlobalFoundries semiconductor manufacturing, and several major research universities. Industrial and office assets in the Capital Region offer compelling yields relative to downstate markets.
Apply for Albany Stated Income Financing →Stated Income Loan Details
Stated Income Financing for Albany Commercial Properties
CLS CRE provides stated income loans for commercial real estate investors in the Albany-Schenectady-Troy market. With access to 1,000+ lender relationships nationwide, we source the most competitive terms available for Albany properties.
Loan Amount
$5M - $50M+
Term
5 - 30 Years
Rates
7.00% - 11.00%
Ltv
Up to 70% LTV
Qualification
Bank Statements, Asset Depletion, or Property Income
Recourse
Non-Recourse Available
Other Financing in Albany
Permanent Loans
Albany, NY
Construction Loans
Albany, NY
Bridge Loans
Albany, NY
SBA Loans
Albany, NY
Mezzanine & Preferred Equity
Albany, NY
Specialty Financing
Albany, NY
Agency Loans
Albany, NY
HUD/FHA Multifamily Loans
Albany, NY
CMBS Loans
Albany, NY
Net Lease Financing
Albany, NY
Life Company Loans
Albany, NY
DSCR Loans
Albany, NY
Hard Money Loans
Albany, NY
Portfolio Loans
Albany, NY
Fix and Flip Loans
Albany, NY
Property Types in Albany
Explore financing by property type in the Albany-Schenectady-Troy market.
FAQ
Stated Income Loans in Albany FAQ
The best commercial lenders in Albany depend on your property type and loan needs. CLS CRE works with 1,000+ banks, life insurance companies, debt funds, CMBS conduits, and agency lenders to find the most competitive stated income loans financing for your Albany property. Contact us for a customized lender recommendation.
Current stated income loans rates in Albany range from 5.34% to 8.25%, depending on the lender, property type, and borrower qualifications. Rates in the Albany-Schenectady-Troy market are influenced by local market conditions, property quality, and competition among lenders.
Commercial loan closings in Albany typically take 45-90 days for permanent financing and 2-4 weeks for bridge loans. Timelines depend on the lender type, property complexity, and local requirements such as environmental reviews and appraisal turnaround times.
Not necessarily. While local banks and credit unions in Albany offer relationship-based lending, national lenders (life companies, CMBS, agency) often provide more competitive rates and terms. CLS CRE sources capital from both local and national lenders to find the best fit.
In the Albany-Schenectady-Troy market, the most financeable property types currently include multifamily apartments, industrial warehouses, and well-tenanted retail — all driven by strong local demand and favorable lender appetite. Contact CLS CRE for a market-specific financing assessment.
Get Stated Income Financing in Albany
Contact Commercial Lending Solutions for a free, no-obligation stated income loan quote for your Albany commercial property.
Apply for Financing →