LLC Loans for Your Rental Property
Our LLC loans are more like a “commercial” loan where we (or our lending partners) keep the loan in our own portfolio. These loans cannot be sold to Freddie Mac or Fannie Mae and, consequently, have higher interest rates and require higher down payments. That said, our loans are a great option for customers who want a loan for investment property held in a LLC or other legal entity.
We want to help you achieve your investment goals and build a successful portfolio. Our LLC loans are a great option for customers who want a loan for investment property held in an LLC or other legal entity. As a LLC Lender, we offer personalized service and a commitment to your success. Don’t let the fear of liability hold you back from achieving your investment dreams. Choose our LLC loan program and take the first step toward your financial freedom.
I’ve worked with Jay Hurst on several loans. Jay is extremely knowledgeable and helpful, and was able to advise me on the options for my recent purchase. Great guy to have on your side, and great rates!
Hurst Lending was very easy to work with and stayed in constant contact with me throughout the loan process so I never had to wonder what the status of the loan was.
Are there any other Methods to Protect Yourself (other than placing your property in a LLC)?
Many real estate investors ask the question “Can I get an LLC loan for a rental house so I can protect myself?”. Since this issue comes up so often, we have sought out creative ways to address this issue for our clients without having to resort to a higher cost LLC loan. If you want a LLC loan we can provide one to you, but here are four other options we can provide that will give you a much lower interest rate:
- Conventional Loan + Insurance: Purchase the property in your own name to get the lowest rate and buy insurance to protect your assets.
- Conventional Loan + Transfer to LLC in Future: Purchase the property in your own name and transfer it into your LLC after closing. Fannie Mae and Freddie Mac allow certain limited transfers into a LLC and our lawyers can help you navigate this process at no extra cost if you finance your property with us.
- Conventional Loan + Trust: Buy and finance the property using a living trust (we offer low-rate conventional loans for rental properties held in a living trust). Our lawyers can help you navigate this process at no extra charge if you finance your property with us.
- LLC Rental Property Loan: Buy the property using a LLC and we can put you into LLC Investor Loan.
How to Minimize Liability While Maximizing Value
You can also combine these options so you have multiple layers of protection (i.e. a low rate conventional loan, with the correct legal entity, with a higher liability coverage extended from your primary residence, and an umbrella policy to give you additional protection). The owners of Hurst Lending layer protection in this manner for their own investment properties since it is inexpensive to increase the liability component on your primary residence (and extend this to your rental property) and add an umbrella policy. If you are worried enough to want to set up an LLC to buy a rental property, then layering your protection is worth consideration.
We Also Offer Other Investor Loans
CONVENTIONAL
We secure real estate investor loans.
LLC LOANS
Loans for your 1-4 family rental property.
BRIDGE LOANS
Low rate loan for your properties.
INVESTOR HELOC
Access the equity your properties.
Not Just Lenders - Problem Solvers!
Great Rates
Lots of mortgage lenders can offer a good rate on a conventional loan. We can too – in fact, our rates are some of the best around.
Unique Solutions
The difference? Hurst Lending finds ways to make the deal work when your mortgage needs are outside the “conventional loan” box.
Get a LLC Loan on Your Real Estate
About Hurst Lending's Real Estate Investing Services
Our founders started out as residential real estate investors and they learned how to leverage their borrowing capacity to build a high-quality real estate portfolio over time. Along the way they built Hurst Lending and created a deep suite of loan products to address needs they had as real estate investors. Our loan products help investors: (1) grow their portfolios, (2) access their equity with no seasoning period or obtain an investment property HELOC, and (3) acquire properties without high-cost hard money loans.
We also love working with new investors (who have solid w-2 jobs) to help them start investing in real estate. People with w-2 jobs are able to access low-cost long-term fixed-rate financing and this is the best way to grow your portfolio over time. The main thing that holds people back is the uncertainty about being a landlord and not having the tools to get started. We solve this issue by offering our mortgage clients access to our real estate investing experts and providing our clients the same suite of tools, contacts, and contractors used by our founders for their own investment properties (at no extra cost).* If you are interested in growing your portfolio or getting started investing in Real Estate, click the get started button below or feel free to reach out to Scott Bialek, one of our founders, at sbialek@hurstlending.com. He loves helping real estate investors grow their portfolios.
*Some services are only available in limited locations and offers may be changed at any time.
Over $1 Billion in Loans Funded
And we're just getting started!
We're Expanding
Offering loans in Alabama, Colorado, Florida, Georgia, Idaho, Iowa, Louisiana, Oklahoma, Oregon, Pennsylvania, Virginia, Texas and Washington.
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Winning A Competitive Real Estate Investment Edge – Part I
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