LLC or No LLC? before scaling your portfolio

[Joseph Tubbs]

“LLC or No LLC?” – New Investors Get Burned on This

Thinking of putting your first rental in an LLC?
Before you transfer title, here’s what most new investors don’t realize:

• Moving a property into an LLC after closing could trigger your loan’s due-on-sale clause

• Some lenders won't fund your deal if the purchase is in an LLC with no track record

• Insurance rates & coverage may differ when held under an entity

✅ Pro tip: Many investors hold the first few properties personally and layer in umbrella insurance — then set up LLCs as they scale or refinance.

How are you structuring your portfolio? Have you ever had issues transferring title or setting up entities post-close?