When you borrow from the insurance company, it is a loan against your Cash Value.

Hey Nate, I love to house hack too (used it several times using my VA loan)! 

You can 100% refinance into a DSCR loan and close/vest in your LLC, however, I would imagine the rate is likely worse than what you have now with the conventional loan which would impact your monthly cashflow.

Plus, that W2 income is what is going to keep banks comfortable loaning you money to keep growing.  

We offer fix-n-flip and purchase/refi loans.

In Austin, I know Horizon Bank has been open to more creative financing strategies too, so it’s worth checking with them.One thing to keep in mind is that the terms can vary wildly depending on the institution, so I always recommend reaching out to a financial advisor who’s well-versed in life insurance-backed loans before pulling the trigger.

A 75% cash out refi is more likely the higher scenario of the two, however when you do the refi they are paying off the total loan amount on the 12 month flip loan and netting the difference.

Financing OptionsLeverage DSCR Loans: Consider working with lenders who specialize in DSCR loans for foreign investors.

I would pop into one of the local Chinese banks (specifically the ones who advertise real estate loans) and see if they have a connection!

When you choice who is going to service your loan what are you looking for?