Can borrowers close in an LLC?

Yes, we highly encourage closing in an entity (LLC, Corporation, Partnership, etc.) for all investment property loans. In fact, many of our Non-QM and investor-focused loan programs require or prefer it.

Closing in an LLC helps protect your personal assets from liabilities associated with the property and can offer organizational benefits as you scale your real estate portfolio.

Requirements for LLC Closings

• Good Standing: The entity must be in good standing in the state where it was formed and where the property is located.
• Documentation: You will typically need to provide Articles of Organization, an Operating Agreement, and an EIN letter.
• Personal Guaranty: Members of the LLC will generally still need to provide a personal guaranty, meaning their credit is used for qualification.

EZIO Lending can help you understand the specific entity requirements for each lending program.

Asset Protection

Protect your portfolio. We'll help you structure your loan for an LLC closing.