How do people get 30 yrs fix loans on investment properties? the banks I have talked to only do ARM for investment loans.

It’s easy, for 1-4 unit properties if you’re buying in your personal name as opposed to an entity. If an entity, pretty much forget it unless you can find a small local credit union maybe.

This is not correct Kyle. The mortgage is not transferred when the property is transferred to a LLC. And, the "due on sale clause" isn't initiated if the LLC is owned by the same people who bought the asset in their name. This has been discussed at length on other posts.

The due on sale clause is a real thing, but from everyone I've talked to, I have yet to find anyone who has actually heard of banks calling the loan. That being said - it is always possible. Try talking to your insurance agent and closing attorney prior to closing and ask if you can set up a deed transfer at closing to transfer over to your LLC.

If you are worried about the liabilities surrounded with purchasing the property under your own name, you can increase the limits on your insurance policy similar to what @Brian Ellis said for a relatively low cost - especially for general liability. As per @Benjamin Haberman's approach, purchasing an umbrella policy will offer you much more protection than merely increasing the limits on your primary policy, however this will come at a premium price. Both solutions are viable; it just depends on your risk appetite and annual insurance cost your comfortable paying.

30 yr fix loans for investment properties? 30 yr fix loans for investment properties?

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30 yr fix loans for investment properties?

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