Stated Income Financing
Stated Income Loans in Phoenix, AZ
Phoenix ranks among the fastest-growing metros in the U.S., driven by migration from higher-cost markets, business-friendly policies, and a booming technology sector. The market has seen explosive industrial development, strong multifamily absorption, and growing institutional interest across all property types.
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Stated Income Financing for Phoenix Commercial Properties
CLS CRE provides stated income loans for commercial real estate investors in the Phoenix-Mesa-Chandler market. With access to 1,000+ lender relationships nationwide, we source the most competitive terms available for Phoenix 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 Phoenix
Permanent Loans
Phoenix, AZ
Construction Loans
Phoenix, AZ
Bridge Loans
Phoenix, AZ
SBA Loans
Phoenix, AZ
Mezzanine & Preferred Equity
Phoenix, AZ
Specialty Financing
Phoenix, AZ
Agency Loans
Phoenix, AZ
HUD/FHA Multifamily Loans
Phoenix, AZ
CMBS Loans
Phoenix, AZ
Net Lease Financing
Phoenix, AZ
Life Company Loans
Phoenix, AZ
DSCR Loans
Phoenix, AZ
Hard Money Loans
Phoenix, AZ
Portfolio Loans
Phoenix, AZ
Fix and Flip Loans
Phoenix, AZ
Property Types in Phoenix
Explore financing by property type in the Phoenix-Mesa-Chandler market.
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FAQ
Stated Income Loans in Phoenix FAQ
The best commercial lenders in Phoenix 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 Phoenix property. Contact us for a customized lender recommendation.
Current stated income loans rates in Phoenix range from 5.34% to 8.25%, depending on the lender, property type, and borrower qualifications. Rates in the Phoenix-Mesa-Chandler market are influenced by local market conditions, property quality, and competition among lenders.
Commercial loan closings in Phoenix 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 Phoenix 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 Phoenix-Mesa-Chandler 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 Phoenix
Contact Commercial Lending Solutions for a free, no-obligation stated income loan quote for your Phoenix commercial property.
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