Legal & Legislation
Market News & Data
General Info
Real Estate Strategies
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/hospitable-deef083b895516ce26951b0ca48cf8f170861d742d4a4cb6cf5d19396b5eaac6.png)
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_trust-2bcce80d03411a9e99a3cbcf4201c034562e18a3fc6eecd3fd22ecd5350c3aa5.avif)
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_1031_exchange-96bbcda3f8ad2d724c0ac759709c7e295979badd52e428240d6eaad5c8eff385.avif)
Real Estate Classifieds
Reviews & Feedback
Updated 11 months ago on . Most recent reply
![Ross Alcorn's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2581266/1673891952-avatar-rossa53.jpg?twic=v1/output=image/crop=828x828@0x259/cover=128x128&v=2)
Alternatives to Quit Claim Deeds to not re finance
I purchased a home in my primary name as a house hack 2 1/2 years ago and now am moving into another property and using this home as a rental. I would like to quit claim deed this property into a recently formed LLC for liability protection. In the past on a different property I've called the lender and confirmed it is okay to do this in order to not have a due on sale clause prior to quit claim deeding it into an LLC.
I've heard sometimes the lender will say you must refinance into your LLC in order to quit claim deed it to not trigger the due on sale clause. My main reasoning for the quit claim deed is to have an extra layer of liability protection for assets. I don't want to have to refinance due to a very low interest rate on this property.
Are there other suggestions if quit claim deeding this isn't an option?
I already have an umbrella policy so not sure if upping that premium or moving it into any sort of trust/land trust or something else would be a smart move.
Appreciate the help in advance!