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Updated about 8 years ago on . Most recent reply

Daniel Fenn's profile image
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Daniel Fenn
  • from Charlotte, North Carolina
  • Member since Aug 27, 2015
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Daniel Fenn
  • from Charlotte, North Carolina
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Daniel Fenn
  • Charlotte, NC
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Private Lending & Conventional Mortgage Advice

Can LLCs get conventional loans?

Daniel Fenn
  • Charlotte, NC
Posted

I'm new to investing in real estate for rentals.  I have a primary residence and would like to protect it and my family from liabilities.  I would also like to finance my first investment with a conventional loan.

Are there lenders who allow financing using my credit, but own it thru an LLC? Are there other options? What are the requirements on the condition or value of the property to get a conventional loan?

Thank you

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Jon Holdman
  • Rental Property Investor
  • Mercer Island, WA
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Jon Holdman
  • Rental Property Investor
  • Mercer Island, WA
ModeratorReplied

Nope.  Fannie Mae and Freddie Mac's rules don't allow lending to entities.

There are, however, portfolio lenders who will have similar terms and will lend to LLCs.  Terms will be shorter than 30 years, though.  Fifteen or maybe 20 years.

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