Strategy

LLC vs personal name for DSCR loan - what are the real tradeoffs?

Carlos F. · Mar 9, 2026 · 2109 views

My CPA says to always use an LLC. My lender says it adds complications. What have people here actually done?

Replies

2 replies

Dev K. Mar 9, 2026

I have done both. The rate premium for LLC is usually 0.25-0.375% with most DSCR lenders. Worth it for liability protection once you have 3+ properties.

Arin_B Mar 9, 2026

LLC loans are completely standard for us. You will need the LLC operating agreement, articles of organization/formation, EIN, and certificate of good standing/status.

LLC vs personal name for DSCR loan - what are the real tradeoffs?

Need a DSCR Loan Quote?