How to Refinance Commercial Real Estate With Zero Income
Can you refinance a commercial property if you show zero personal income? Yes, provided it is an owner-occupied asset with strong business cash flow.
It sounds impossible: securing a 30-year commercial mortgage when you show zero personal income. But for owner-occupied commercial real estate, it is entirely possible.
Business owners frequently reinvest all profits back into the company, zeroing out their personal taxable income. Banks penalize this. CFGX rewards it.
For owner-occupied properties, we review the unaudited P&L of the operating business. We do not need audited financials, and we do not need personal tax returns. If the business cash flow can support the mortgage payment, we finance the building.
No tax returns. No personal financial statements. No DSCR ratio. The property is the borrower. Qualify once. Done for 30 years.
Text property address and loan amount to Scenario Desk at 332-241-8100.
Text 'REFI', the property address, and loan amount to Scenario Desk at 332-241-8100.
