Fast, Asset-Based Mortgages for Residential Investors & Commercial Property Owners.
- No Income Verification | No Tax Returns | No Pay Stubs
- Loan Amounts: $75,000 to $5,000,000
- Up to 75% LTV | Credit Scores Down to 650+ | 30-Year Amortization
- $100K – $5M Loan Amounts
- Up to 75% Max LTV
- No Sourcing / Seasoning Requirements
- Unlimited Cash-Out Refinancing Available
- Streamlined Approvals
CORE PROGRAMS & GUIDELINES
Traditional banks make conforming lending nearly impossible for self-employed professionals, multi-property owners, and high-net-worth real estate investors. As a direct lender, Generation Mortgage Associates, LLC focuses on structure over red tape, helping you close deals when conventional mortgage channels say no.
CORE PROGRAMS & GUIDELINES
Commercial Loan — Short Application
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PROPERTY SPECIALTIES ACROSS THE STATE OF FLORIDA
Whether you are building a rental portfolio, acquiring a warehouse, or refinancing a retail center, we provide stated income financing across residential investment and commercial sectors:
- Residential 1–4 Unit Multi-Family (SFR, Duplex, Triplex, Fourplex): Built for long-term buy-and-hold investors and short-term/Airbnb operators.
- DSCR Loans (Debt-Service Coverage Ratio): Qualify purely on the gross monthly rent covering the PITIA debt service. No personal income calculations.
- Mixed-Use & Office Buildings: Flexible loan solutions for downtown, suburban, and urban professional assets.
- Industrial, Warehouses & Flex Space: High-leverage financing for logistics, storage, and small business operations.
- Retail Centers & Strip Malls: Single-tenant NNN and multi-tenant retail investment options.
- Specialty Commercial Assets: Self-Storage Facilities, Automotive Service Garages, and Assisted Living Facilities.
- Hard Money & Bridge Financing: Fast-closing, short-term liquidity for value-add acquisitions, opportunistic buyouts, and fast turnarounds.
STATED INCOME VS. TRADITIONAL BANK MORTGAGES
- No Tax Return Trap: Tax write-offs can make profitable investors appear unqualified on paper. Stated loans let your collateral speak for itself.
- Faster Closings: Cut weeks off typical bank underwriting by eliminating requests for W-2s, 1099s, profit-and-loss statements, and employment audits.
- Unlimited Cash-Out Potential: Tap into accrued equity across your Florida real estate portfolio to fund your next acquisition without arbitrary bank cash-out limits.
- Local Florida Market Knowledge: We understand cap rates, insurance conditions, and cash flows throughout Miami, Tampa, Orlando, Jacksonville, and emerging Florida submarkets.
Frequently Asked Questions About Florida Stated Income Loans
What is a stated income loan in Florida?
A stated income loan is an asset-based mortgage program designed for real estate investors and self-employed borrowers. Instead of requiring personal tax returns, W-2s, or pay stubs, the lender qualifies the loan based on the property’s equity, market value, or rental cash flow (DSCR).
Can I get a stated income loan on an investment property without tax returns?
Yes. Generation Mortgage Associates, LLC provides stated income programs for 1–4 unit residential investment properties and commercial real estate with zero tax return or pay stub documentation.
What are the credit score and down payment requirements?
Our Florida stated income programs require a minimum credit score of 650+ and allow up to 75% LTV (requiring a minimum 25% equity or down payment).
Can I do a cash-out refinance with no income verification?
Yes. We offer unlimited cash-out refinancing options across eligible residential investment and commercial properties without verifying personal funds or requiring seasoned ownership.
Does Generation Mortgage Associates lend on commercial and mixed-use properties?
Yes. We finance office buildings, retail centers, warehouses, self-storage, automotive facilities, assisted living, and mixed-use spaces across the entire state of Florida from $75,000 to $5 Million.