Can you cash-out refi under an LLC ?

Can you cash-out refi under an LLC ?

Investor · Los Angeles, CA & New Jersey · Member since 2017 · 36 posts · 11 votes

I am curious to know if you can cash-out refinance under an LLC?

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  • Mortgage Broker · Dallas, TX · Member since 2017 · 657 posts · 275 votes
    7y

    Yes, there are lenders out there that are able to assist you with doing that. Normally you are looking at a portfolio/commercial-like loan to do it. Do you have a property in mind?

  • Investor · Los Angeles, CA & New Jersey · Member since 2017 · 36 posts · 11 votes
    7y

    I was looking to acquire a multifamily home under an LLC and would be putting down between 20% - 25% is there any programs that would entertain this scenario?

  • Lender · Los Angeles, CA · Member since 2018 · 31 posts · 16 votes
    7y

    @Johnson Joseph

    When you say multi family are referring to 2-4 unit? Or commercial 5+?

    Are you looking for rehab deals or turnkey?

    There are some lower down payments available also!

  • Investor · Los Angeles, CA & New Jersey · Member since 2017 · 36 posts · 11 votes
    7y

    @Jarod Dudley 

    The property I was looking to purchase was a 3 family turnkey property fully occupied with tenants. 

  • Lender · Rochester, NY · Member since 2014 · 3k+ posts · 1k+ votes
    7y

    @Johnson Joseph

    You can purchase with LLC Financing as well as doing cash out refinances. Just know the rates won't be as low as conventional.

  • Lender · Los Angeles, CA · Member since 2018 · 31 posts · 16 votes
    7y

    @Johnson Joseph

    That's great, as long as it cash flows you should have no issues getting a loan at 80% LTV.

    I noticed you’re in Los Angeles like myself if you want to meet up to chat about loans message me!

  • Investor · Los Angeles, CA & New Jersey · Member since 2017 · 36 posts · 11 votes
    7y

    @Jerry Padilla

    Typically, what type of banks or lenders should I look into?

  • Investor · Los Angeles, CA & New Jersey · Member since 2017 · 36 posts · 11 votes
    7y

    @Jarod Dudley

    That’s great!

    Yes, I am in Los Angeles, that would be great to meet and chat more.

  • Rental Property Investor · Long Island, NY · Member since 2015 · 490 posts · 301 votes
    7y

    @Johnson Joseph Yes I do it all the time but you won’t get those low rates offered to regular home buyers and most loans offered will be commercial loans with a 5,7,or 10 year term. That being said it’s still worth it and talk to local community banks when you are ready to do so I find them much easier to deal with as they take the time to understand my business.

  • Investor · Los Angeles, CA & New Jersey · Member since 2017 · 36 posts · 11 votes
    7y

     Got it! Thanks for the insight @Allan Szlafrok

  • Stephanie P.Pro Member
    Washington, DC Mortgage Lender/Broker · Member since 2016 · 4k+ posts · 2k+ votes
    7y

    @allan szlafrok

    where are you looking?

  • Real Estate Broker · Cleveland Dayton Cincinnati Toledo Columbus & Akron, OH · Member since 2013 · 30k+ posts · 20k+ votes
    7y
    Originally posted by @Johnson Joseph:

    I am curious to know if you can cash-out refinance under an LLC?

    Not if you want to get those lovely 30 year residential terms. My advice to new investors is to buy in their personal names utilize their available 10 residential mortgages. Get 1 on your personal home and 9 on rentals. From there move on to bigger commercial deals in an LLC either on your own or with other partners.

  • Rental Property Investor · Brea, CA · Member since 2016 · 71 posts · 34 votes
    7y

    @Johnson Joseph yes there are mortgage companies that specialize in just that. Let me know I have a great contact for you.

  • Investor · Los Angeles, CA & New Jersey · Member since 2017 · 36 posts · 11 votes
    7y

    @James Wise

    Make sense, great insight thank you for sharing! 

    @Kent Kiess Yes if you don't mind that would be great! 

    Thank you both!

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