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Updated about 2 years ago on . Most recent reply

David Elliott's profile image
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David Elliott
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  • Member since Jun 10, 2022
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Mortgage Brokers & Lenders

Commercial Loan and Personal Guarentee

David Elliott
  • Rental Property Investor
Posted

How is a commercial loan to an LLC (s-corp) with a personal guarantee considered in a primary residence mortgage application?

I currently have four rentals and a primary. My DTI is around 60%. I'd like to build in a few years and am considering moving my rentals into commercial loan.

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@David Elliott

When you personally guarantee the loan, it will be factored into your debt to income ratio.

  • Stephanie P.
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