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Updated over 1 year ago on . Most recent reply

Justin Chan's profile image
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Justin Chan
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Justin Chan's profile image
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Justin Chan
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Justin Chan
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Private Lending & Conventional Mortgage Advice

Pros and cons of cross collateral loans

Justin Chan
Posted

I have a mixed use building with an fha loan that has at least 100k of equity. I have been trying to figure a way to use the equity for another investment property. But a heloc with a mixed use is impossible. Also do not want to cash out refi because I have a 2.75 rate. Debating if I should use a cross collateral loan. Willing to do more research on other loan products as well if anyone has suggestions. This property's deed is under an LLC .

  • Justin Chan
    • Providence, Rhode Island
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    Caroline Gerardo's profile image
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    Caroline Gerardo
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    Caroline Gerardo's profile image
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    Caroline Gerardo
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    Caroline Gerardo
    • Lender
    • Laguna Niguel, CA
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    Caroline Gerardo
    • Lender
    • Laguna Niguel, CA
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    No you cannot borrow 100% on a cross, up to 80%. 

    FHA loans do not allow LLC vesting. Get that in writing whoever said it's fine.

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