Close Your Investment Property in an LLC
Protect your personal assets and build your portfolio the right way. NonQM.Loan offers DSCR, Fix & Flip, and Bridge loans that allow you to close in the name of your LLC, LP, or trust — with select programs requiring no personal guarantee.
Why Entity Closing Matters
Why Serious Investors Close in an LLC
When you own investment properties in your personal name, a single lawsuit from a tenant or contractor can put your home, savings, and retirement accounts at risk. Closing in an LLC creates a legal firewall between your investment portfolio and your personal assets.
"Most of my investor clients eventually want to close in an LLC — it's just the smart way to build a portfolio. The good news is that Non-QM lenders have made entity closings straightforward. We can often close in your LLC with no additional cost or complexity."
LLC Loan Programs
Entity Closing Programs Available
| Program | Entity Types | Personal Guarantee | Min. Credit | Max Loan |
|---|---|---|---|---|
| DSCR Loan | LLC, LP, Trust, Corp | Required (most lenders) | 620+ | $5M |
| DSCR — No Recourse | LLC, LP | Not required | 660+ | $2M |
| Fix & Flip | LLC, Corp, Trust | Required | 620+ | $3M |
| Bridge Loan | LLC, LP, Trust, Corp | Required | 640+ | $5M |
| Blanket / Portfolio | LLC, LP, Corp | Required | 660+ | $10M+ |
Programs and terms vary by lender. Contact Ian for a personalized quote based on your entity structure and property type.
The Process
How to Close a Mortgage in Your LLC
Form Your LLC
Register your LLC with the Ohio Secretary of State (or your state). Cost is typically $99-$125. Ian can recommend a business attorney if needed.
Get Pre-Qualified
Apply through NonQM.Loan. Ian will review your LLC documents, credit, and the target property to match you with the right lender program.
Property Underwriting
For DSCR loans, the property's rental income is the primary qualification factor. For Fix & Flip, the after-repair value (ARV) drives the loan amount.
Close in Your LLC
Title is taken in the LLC's name. Your personal assets are protected from day one. Ian guides you through the closing process from start to finish.
Common Questions
LLC Mortgage FAQ
Can I get a mortgage in my LLC's name in Ohio?+
Yes. NonQM.Loan offers Non-QM loans that allow you to close in the name of your LLC, LP, trust, or other legal entity. This is available for DSCR loans, Fix & Flip loans, and Bridge loans. Some programs do not require a personal guarantee.
Do I need a personal guarantee to close in an LLC?+
It depends on the program and lender. Some Non-QM lenders require a personal guarantee from the LLC's principals, while others offer true non-recourse loans where the property itself is the only collateral. Ian can match you with the right lender based on your situation.
Can a new LLC with no history qualify for a mortgage?+
Yes. Most Non-QM lenders do not require the LLC to have an operating history. A newly formed LLC can close on a property as long as the guarantor meets the credit and income requirements. Ian works with lenders who specialize in entity-based closings for new investors.
What types of properties can be purchased in an LLC?+
Single-family rentals, 2-4 unit properties, small multifamily (5-20 units), short-term rentals (Airbnb/VRBO), and commercial properties can all be purchased in an LLC using Non-QM financing. Primary residences typically cannot be purchased in an LLC.
What credit score is needed to close in an LLC?+
Most LLC mortgage programs require a minimum 620-660 credit score from the LLC's guarantor(s). Some programs go as low as 600 for experienced investors with a strong rental portfolio. The property's DSCR ratio is often more important than the credit score.
How long does it take to close in an LLC?+
DSCR loans in an LLC typically close in 21-30 days. Fix & Flip loans can close in as few as 7-14 days. Bridge loans typically close in 10-21 days. Having your LLC documents (Articles of Organization, Operating Agreement, EIN) ready in advance speeds up the process significantly.
Ready to Close Your Next Property in an LLC?
Ian Eichelberger, NMLS #368612, specializes in entity-based closings for Ohio real estate investors. Get your free consultation today.
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