Refinance or Purchase with STRs

[Chris Bluem]

This would apply to any refinance or purchase, but I am currently trying to refinance my personal house. My issue is my other properties (3) are STR and do not have 12 months of history yet on my tax returns. So banks so far said they would not consider any income on DTI.

Can I write a long term lease with my LLC, have my LLC collect STR revenue and then pay me the lease payment? Would this pass underwriting? Does the lease need to be seasoned?

Thanks!