Changing Title from Personal Name to LLC in Texas….Options to Avoid Loan Acceleratio

[Rob Tara]

Hi all, I bought a single-family rental in Texas under my personal name with a conventional (non-FHA/VA) loan. I now want to transfer title to an existing Texas LLC I already own, but my lender said that if I transfer title they’ll invoke the due-on-sale clause and demand payoff. Looking for practical experience and legal/structural suggestions from Texas investors. Facts: • Loan = conventional, in my personal name. • Property = (single family rental / state TX). • LLC = already formed and in good standing. • Goal = move ownership to LLC for asset protection and simplified management. Questions for this group: 1. Anyone in Texas successfully get a conventional lender to allow a title transfer to an existing LLC? What did the lender require? (paperwork/fee/personal guarantee) 2. Anyone refinanced into an LLC? What were the costs/terms and did the lender require a personal guarantee? 3. If you used a “subject-to” transfer, did you ever face lender pushback? Any best practices to minimize detection/enforcement risk?