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Updated about 5 years ago,

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At what point do banks treat me as a company instead of a person?

Posted
Hello,

I have an LLC that owns another LLC that owns a property outright. It's cashflowing nicely every month and yet, if I want a mortgage, the banks ask for my credit record. At what point do they start treating me as a business instead of a person, and look at my books instead of my credit record?

The reason I ask is because I don't have a credit record, I live abroad, I'm not a US person, so, this is completely hindering my ability to BRRRR. I'm trying to get creative with the financing but if I can't get a bank to give me a mortgage at some point, I'd have a lot of trouble making this work.

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