Any creative ways to get 30 year fixed loans inside an LLC ?

[Andrew Giunta]

I am looking to build a SFH portfolio and I would like to use leverage and put them inside an LLC. Im really not a fan of commercial debt with rates that adjust. At that point id probably just pay them off completely. Leveraged I'm looking at about 20-30 houses so my idea is 2-3 houses per LLC. Is there a creative way to get 30 year fixed financing this way ? I'm looking to do 50% down payments to begin with so the loans are pretty conservative. I know many people use DSCR loans, are the 30 year fixed DSCR loans available inside an LLC ? Id prefer to have the protection of an LLC on top of an umbrella liability policy. It might be overkill but for me the peace of mind is worth the extra cost.

[Robin Simon]

Yes - DSCR Loans are generally not only fully allowed under an LLC (30-year fixed rate) but most DSCR Lenders prefer it that way!

PS - check out this article on BP on advanced strategies for DSCR Loans which has a detailed section on using LLCs for DSCR

https://www.biggerpockets.com/...