Financing - rates for investment properties

[Tom Hertz]

Sorry - I'm new here and just getting started so don't know my way around. I'm sure this question has been asked a million time so maybe point me somewhere else if its been answered. I've done some searching and have seen pros and cons to gettinging financing for an income property under your own name vs an LLC. One of the disadvantages to getting it under an LLC is that it said you would have less favorable commercial lending rates. Wouldn't you have be sunjct to commercial lending rates regardless since the property is an income property?

[Herndon Davis]

Originally posted by @Tom Hertz:

 You can actually loans finance Investor rental property one of 3 Major ways:

1-Fannie Mae/Freddie Mac Conventional Lending, the most restrictive of all funding
2-Non-QM Lending (Non Qualified Mortgage) Residential lending 1-4 units (the most lenient type of funding) with only slightly higher rates
3- Non-QM lending Commercial Lending, 5+ Units ( YES you can get 30 year fixed mortgage)

Depending on your goals your choice could be any of the 3.  I'll PM to give you more insight.