No tax returns
Owner Occupied Commercial
Financing for business owners who occupy their commercial property. Bank statement programs available — qualify on 12 or 24 months of business bank statements with no tax returns required.
No tax returns required Bank statement qualification Up to 80% LTV 45–55 day close
Loan Range
$200K – $3M
Max LTV
Up to 80%
Documentation
Bank Statement (12 months)
Closing Time
45–55 Days
Property Type
Owner-Occupied Commercial
Borrower Type
Business Owner / LLC
Program Parameters
| Parameter | Details |
|---|---|
| Loan Range | $200K – $3M |
| Max LTV | Up to 80% |
| Documentation | Bank Statement (12 months) |
| Closing Time | 45–55 Days |
| Property Type | Owner-Occupied Commercial |
| Borrower Type | Business Owner / LLC |
| Tax Returns | Not Required |
| Balloon Payment | Yes (5 or 10 year) |
Eligible Property Types
OfficeRetailIndustrialMixed-UseAutomotiveRestaurant & BarDay CareSelf Storage
Frequently Asked Questions
Can I qualify for a commercial loan without tax returns?
Yes. Cressida Direct's Owner Occupied Commercial program qualifies borrowers using 12 or 24 months of business bank statements instead of tax returns. This is ideal for self-employed business owners whose tax returns show significant write-offs that understate actual income.
What property types qualify for owner-occupied commercial financing?
Eligible property types include office buildings, retail storefronts, light industrial, mixed-use, automotive shops, restaurants, day care centers, and self-storage facilities — as long as the borrower's business occupies at least 51% of the space.
What is the minimum DSCR for owner-occupied commercial loans?
For bank statement programs, we analyze the business's cash flow from bank statements rather than a traditional DSCR calculation. Most programs require a global cash flow coverage of at least 1.0x based on the bank statement income analysis.
Ready to Apply?
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Apply for This Program 877.308.7557Borrower Types
Business Owner
LLC
Corporation
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Download the Owner-Occupied Commercial Overview
Get the full program parameters, eligible property types, underwriting criteria, and sample transaction in a single-page PDF — formatted for easy sharing with borrowers and referral partners.