Also, would this loan help build my personal credit, or would it only report to business credit bureaus under my LLC?

Being in Dallas gives you the advantage of doing your due diligence in person, which is invaluable.

NOT judging, I am truly curious the mindset's of such persons.

I personally interact with each and every guest.

Hard to say one way or another without knowing your personal finances, goals etc., but it seems like a good deal. 

@Denis Orlov I don't do STR, but I've rented one of my personal properties for arbitrage before. 

Quote from @Jokari Trueheart: HI, almost 11 months ago I purchased 3 duplexes and I borrowed the funds from my personal residence which I took out a equity agreement for the down payment on the investment property, great idea at the time because I have 10 years to pay it off and theres no payment requirement, but , I learned more about the consequence that it takes a large chunk of my equity the longer I take to pay it back, so my goal was to refi cash out the investment property to pay it back but I don't think theres enough equity yet to pull the full $106k needed, I only borrowed $88k but with the equity percentage for one year i'm paying about $18k in equity on top of the amount I borrowed if I pay it off in year one, so I need this paid off ASAP before it increases more.

@Laurens Van swol a few banks that we've worked with in the past allow you to close in your personal name.

If the home was still your primary residence throughout 2024 and not actively listed for rent, it would typically remain classified as a personal residence until the lease began.

I personally would go that route as it would probably be less expensive.