Loans built to close in an entity
DSCR loans are the most common way to close in an LLC: they qualify on the property’s income, vest title in your entity, and have no property-count cap. Portfolio loans and commercial loans likewise lend to entities, and short-term hard and private money almost always allow it.
Conventional financing is the outlier. Fannie and Freddie loans generally require title in your personal name, and moving a conventionally financed property into an LLC afterward can trip the due-on-sale clause. If the LLC matters to you up front, plan around DSCR or portfolio financing.
Frequently asked questions
Can I get a conventional loan in an LLC?
Generally no — conventional Fannie/Freddie loans require title in your personal name. To close in an LLC, investors typically use DSCR, portfolio, or commercial loans.
Should I transfer a financed property into an LLC after closing?
It can trigger the mortgage’s due-on-sale clause, giving the lender the right to call the loan. Many investors finance in the LLC from the start with a DSCR loan instead. Talk to an attorney before transferring title on a financed property.