Commercial land for my paving business

3 Replies

I found a commercial 2 acre lot that I'm looking to purchase for my paving S-Corp LLC.

I was wondering if it would be better to purchase it with a commercial loan in the name of my LLC or to purchase it with my own name then rent it out monthly to my LLC?

Which of the 2 would have the better impact on my DTI down the road? Or does my personal guarantee still bring down my DTI if I purchase in the business?

@Nick Cooper if you purchase in the business you might be able to get an sba loan with very desireable long fixed terms. Sba might not just loan on an empty lot. Not sure how it affects dti.

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