Can I get a DSCR loan for my LLC?

Yes. Closing in an LLC is routine for DSCR loans and does not change the pricing at most lenders. The LLC is the borrower and holds title; the members sign as personal guarantors, and the lender pulls the guarantors' credit. This is one of the main reasons investors choose DSCR over conventional financing.

Conventional loans must close in your personal name, and moving title to an LLC afterward technically allows the lender to call the loan. DSCR lenders were built for entities, so the LLC goes on the deed from day one.

Expect to provide the operating agreement, articles of organization, a certificate of good standing and an EIN letter. Some lenders require the LLC to be registered in the property's state. Single and multi-member LLCs both work; each member with a meaningful share typically guarantees the loan. Series LLCs and trusts are accepted at fewer lenders.