The company owns the property, so that makes the loan a commercial loan. The business is only 1 year old and so no one want's to talk to me. I only need 300k so the amount is too small. How the heck is BRRRR supposed to work???

@John Ala deed it to yourself?

I thought about a quit claim to myself but that defeats the purpose of having the asset owned by the company.

@John Ala is it a single family house? Brrr on single family is based on refinancing in your personal name. What will having the house in a corporate name do that a good insurance policy won’t?

@John Ala seems like not being able to refinance is defeating the bigger purpose

@John Ala

That’s a fine amount. I got a 28k commercial loan once. Are you looking for a refi or what? 20-30% down and a 5/1 arm 20 year term with personal guarantee all day long. All day long. Sometime isn’t adding up. Do you have income? Give the details of your situation and what you are asking for.

@John Ala I think you've been talking to the wrong mortgage folks. Your entity should not need any seasoning. I work with clients all the time who create a new LLC or Corp. for each property days before or even AFTER beginning the loan process.