Stated Income Financing
Stated Income Loans in State College, PA
State College is a classic university market anchored by Penn State's flagship campus, driving exceptional student housing demand and stable retail occupancy that weathers economic cycles. The market's limited commercial supply and high student enrollment create reliable yields for multifamily investors.
Apply for State College Stated Income Financing →Stated Income Loan Details
Stated Income Financing for State College Commercial Properties
CLS CRE provides stated income loans for commercial real estate investors in the State College market. With access to 1,000+ lender relationships nationwide, we source the most competitive terms available for State College 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 State College
Permanent Loans
State College, PA
Construction Loans
State College, PA
Bridge Loans
State College, PA
SBA Loans
State College, PA
Mezzanine & Preferred Equity
State College, PA
Specialty Financing
State College, PA
Agency Loans
State College, PA
HUD/FHA Multifamily Loans
State College, PA
CMBS Loans
State College, PA
Net Lease Financing
State College, PA
Life Company Loans
State College, PA
DSCR Loans
State College, PA
Hard Money Loans
State College, PA
Portfolio Loans
State College, PA
Fix and Flip Loans
State College, PA
Property Types in State College
Explore financing by property type in the State College market.
FAQ
Stated Income Loans in State College FAQ
The best commercial lenders in State College 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 State College property. Contact us for a customized lender recommendation.
Current stated income loans rates in State College range from 5.34% to 8.25%, depending on the lender, property type, and borrower qualifications. Rates in the State College market are influenced by local market conditions, property quality, and competition among lenders.
Commercial loan closings in State College 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 State College 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 State College 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 State College
Contact Commercial Lending Solutions for a free, no-obligation stated income loan quote for your State College commercial property.
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