Investment Property Loans for LLCs
Want to buy rental property in an LLC? We lend directly to LLCs, LPs, and other entities — no need to purchase personally and transfer later. DSCR, hard money, and bridge loans all available for entity borrowers. No income docs required on most programs.
LLC Loan Highlights
- Lend directly to LLC, LP, or corporation — no personal vesting required
- DSCR, hard money, bridge, fix-and-flip, and multifamily programs
- Personal guarantee from managing member required on most programs
- No income documentation on DSCR and hard money programs
- Single-member and multi-member LLCs eligible
- Series LLCs eligible (Texas and other series LLC states)
- New LLCs eligible — no seasoning requirement on the entity
- Loan amounts from $75,000 to $5M+
- Close in 7–21 business days depending on program
Why Investors Use LLCs for Rental Properties
Liability Protection
A tenant injury lawsuit can only reach LLC assets — not your personal home, savings, or other properties held in separate entities.
Privacy
LLC ownership keeps your name off the public property record. The LLC is the owner of record, not you personally.
Estate Planning
Transfer ownership by assigning LLC membership interests — no deed, no title company, no transfer taxes in most states.
Portfolio Organization
One LLC per property, or one LLC per market. Keeps accounting clean and isolates each asset’s liability.
Do You Need a Personal Guarantee?
On recourse programs (most DSCR, hard money, and bridge loans), yes — we require a personal guarantee from all members owning 20%+. This means the loan is personally recourse to you even though the property is held in the LLC. Non-recourse programs are available on stabilized multifamily ($1M+) and select commercial assets — no personal guarantee required.
LLC Loan Programs Available
| Program | LLC Eligible | Personal Guarantee | Max LTV | Income Docs |
|---|---|---|---|---|
| DSCR 30-yr fixed | Yes | Required | 80% | None |
| Hard money / bridge | Yes | Required | 70–75% | None |
| Fix & flip | Yes | Required | 90% cost / 80% ARV | None |
| Multifamily DSCR | Yes | Required | 75% | None (NOI) |
| Commercial DSCR | Yes | Required | 70% | None (NOI) |
| Non-recourse multifamily | Yes | Not required | 70% | None (NOI) |
| Land loans | Yes | Required | 60–65% | None |
What Documents We Need for LLC Lending
- LLC operating agreement — confirms membership and management structure
- Articles of organization — state filing confirming the LLC exists
- Certificate of good standing — confirms LLC is active (we can often pull this ourselves)
- EIN confirmation — IRS-assigned employer identification number
- Personal guarantee — from all members holding 20%+ (signed at closing)
- ID for guarantors — driver’s license or passport for all guarantors
No business tax returns required. No LLC bank statements required. No operating history required — new LLCs formed the week of closing are eligible.
Texas Series LLC
Texas allows Series LLCs — a single master LLC with individual “cells” (series) that hold separate assets. Each series has its own liability protection, making one entity structure work like many. We lend to individual series within a Texas Series LLC. This is a popular structure for Texas investors building a rental portfolio — one entity filing, unlimited series, each property isolated.
LLC Investment Loan FAQ
Can I use a brand new LLC with no history?
Yes. Most of our LLC lending programs have no seasoning requirement on the entity itself. You can form the LLC on Monday and close a DSCR or hard money loan on Friday. What matters is the property, the deal, and the personal guarantor — not how long the LLC has been active.
Can the LLC be the only borrower with no personal guarantee?
Only on non-recourse programs (typically $1M+ stabilized multifamily or commercial). On all other programs — DSCR, hard money, bridge, fix and flip — we require a personal guarantee from the managing member. The LLC holds title; the individual guarantees repayment.
Do I need to transfer the property to the LLC after closing?
No — with our LLC lending, the LLC buys the property directly and holds title from day one. You don’t need to purchase personally and then do a deed transfer (which can trigger due-on-sale clauses on some loans). We lend in the LLC’s name from the start.
What if I have a multi-member LLC?
Multi-member LLCs are eligible. All members holding 20%+ of the LLC will need to sign as personal guarantors. We’ll need the operating agreement showing ownership percentages and management rights. Two-member 50/50 LLCs are common — both partners guarantee.
Ready to buy investment property in your LLC? Apply today — or call 877-895-3634. We’ve been lending to LLC borrowers since 1998.