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Updated over 1 year ago on . Most recent reply

Joseph Villegas's profile image
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Joseph Villegas
  • Lender
  • from El Paso, TX
  • Member since Mar 30, 2021
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Joseph Villegas's profile image
Joseph Villegas's profile image
Joseph Villegas
  • Lender
  • from El Paso, TX
  • Member since Mar 30, 2021
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Joseph Villegas
  • Lender
  • El Paso, TX
1
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Creative Real Estate Financing

Business Line of Credit to purchase Real Estate

Joseph Villegas
  • Lender
  • El Paso, TX
Posted

Has anyone used a Business Line of Credit to purchase real estate? I’m considering getting one for my business and using it to purchase rental properties. I’m placing the rental properties under my business entity. Depending on how much I’m approved for, I’m thinking of using it to purchase 100% of it or at least the 20% down payment. 

What do y’all think of this strategy? 

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Caroline Gerardo
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  • from Laguna Niguel, CA
  • Member since Mar 2, 2015
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Caroline Gerardo
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Caroline Gerardo
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  • Laguna Niguel, CA
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Caroline Gerardo
  • Lender
  • Laguna Niguel, CA
Replied

To secure a large business line you need two years IRS returns with net income number and high FICO. Business line may show and if you intend to finance you still must meet debt to income ratios or DSCR numbers.

100% financing investment is high risk. 

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