The loans that let your LLC hold title — from day one.
No buying personally and hoping to sort it out later. These programs vest title in your entity at the closing table, the way your attorney drew it up.
The short list that closes in an entity.
[DSCR loans](/self-employed/dscr-loan) are the workhorse — purpose-built for LLC vesting, qualified on the property's rent, no personal tax returns. Beyond DSCR, several investor-focused alt-doc programs — including certain bank-statement investment loans — can also accommodate entity vesting, lender by lender. What doesn't close in an LLC: conventional agency loans. Those are made to people. If someone's promising you a conventional rate with LLC title at closing, one of those two things isn't true.
What the lender needs from your LLC.
The standard entity package: articles of organization, the operating agreement, your EIN letter, and a certificate of good standing from the state. Multi-member LLCs add clarity on who signs and who guarantees — typically members above an ownership threshold guarantee personally. Have these PDFs in one folder before escrow opens and your closing gets boring, in the best way. We'll send you the exact checklist for your chosen lender on day one.
The personal guarantee — read this so nothing surprises you.
Title in the entity does not mean the humans disappear. On these loans the members typically sign a personal guarantee — the LLC owns the property; you still stand behind the loan. That's the standard structure across the space, and it's the honest answer to “so I'm not personally on the hook, right?” What the entity buys you is ownership structure and everything your attorney set it up for — not invisibility from the lender.
Series LLCs, out-of-state entities, and other curveballs.
Holding through a parent entity, registered elsewhere, or using a trust-plus-LLC structure? Lender appetite varies a lot on these — some shrug, some pass. Send us the org chart before you fall in love with a property; matching the structure to a willing lender up front is a five-minute save versus a mid-escrow scramble.
Straight answers.
Straight answers — the same way you'd get them on the phone.
Does closing in an LLC cost more?+
Entity vesting itself isn't a price lever — the program choice is. DSCR and investor programs price differently than agency loans, and that difference exists whether or not an LLC is involved.
Can my brand-new LLC get a loan?+
Routinely, yes — lenders care that the entity is properly formed and in good standing, not that it's celebrated birthdays.
Who has to guarantee the loan?+
Typically members at or above the lender's ownership threshold. Multi-partner deals should surface the operating agreement early so signing and guaranteeing are mapped before docs.
Can I refinance a property I own personally INTO my LLC's name?+
Investor refinance programs can vest the new loan in the entity — and the title change itself has legal considerations your attorney should bless first. Coordinated correctly, it's a clean two-step. We do the loan half weekly.
This page is general information, not legal or tax advice.
Entity papers in hand?
Send the org chart and the address — I'll match them to a lender that says yes.