Refinance with two different titles

[Joe M.]

Hello all!

I have an interesting scenario. There is a primary residence with an unattached in-law suite in the backyard. The family has them on two different titles owned by two different family members. The plan is to buy the primary with a loan from the bank and then do a title exchange for no cost with the in-law suite. I will be doing work on the primary residence.

Once the rehab is completed, is it possible to refinance both the primary residence and the in-law suite together even though they were purchased separately technically?

They are labeled address wise with a number and then that same number and a half. I.e. 45 and 45 1/2. Don’t know if that makes a difference.

Thanks!!