Looking to refi

[Kevin Murphy]

I own a duplex in Portsmouth, VA. Both units are rented. I am open to DSCR, ARM or other terms that keep the APR low (relatively). I have owned it over a year and it's in my LLC. I would like to keep it that way and avoid a ding from a credit pull but I am flexible.

[Jay Hurst]

Quote from @Kevin Murphy:

I own a duplex in Portsmouth, VA. Both units are rented. I am open to DSCR, ARM or other terms that keep the APR low (relatively). I have owned it over a year and it's in my LLC. I would like to keep it that way and avoid a ding from a credit pull but I am flexible.

 @Kevin Murphy You will not avoid a credit pull by keeping the loan in a LLC. The loan even if vested in a LLC will be personally guaranteed, therefore you personal credit will still be required for all recourse loans. But, credit pulls are a very overrated in terms of actual hit to credit. In other words, nothing at all to worry about.