Entity documents are part of the file
Formation documents and the operating agreement are reviewed. Have current copies available.
loan programs
LLC Lending
LLC lending is financing structured for property held by a limited liability company rather than by an individual.
Secure financing for your real estate investments with LLC lending solutions from Boss Mortgage. Protect your personal assets and streamline your investment portfolio with loans structured specifically for limited liability companies. Our team specializes in navigating the complexities of LLC Lending, ensuring a smooth and efficient borrowing process for your business endeavors.
Program description as published on bossmortgage.com/products (preserved verbatim).What this financing is
When an LLC holds title, the lender reviews the entity documentation — formation documents, operating agreement and authority to sign — in addition to the property and the individuals behind it.
Many investors combine LLC ownership with a DSCR structure. Which combination is available depends on the investor and the property.
Who it may be a fit for
Investors holding rentals in an LLC
Partners investing together
Borrowers moving property into an entity
Investors organizing a growing portfolio
Business owners financing property they occupy through an entity
Not sure if LLC Lending fits your situation?
A licensed Boss Mortgage loan originator can look at the details with you and explain what applies to you.
What to think about
Personal guarantees may apply
Many entity loans still involve the individuals behind the LLC. Ask how a specific program handles this.
Transfers have consequences
Moving property into or out of an entity can affect an existing loan, title and taxes. Talk to your attorney and CPA first.
Program availability varies
Not all programs lend to entities. That is part of what makes a specialist useful here.
How the process works
1. Get approved
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Shop with a clear budget in mind. When you find the right property, your loan originator can help you understand the financing details that apply to that home and your offer.
Once you are under contract, the BOSS Mortgage team helps keep the loan moving through documentation, underwriting, and closing so you can get the keys and move forward.
Frequently asked questions
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. It compares the income a property produces to the debt payment on that property, and it is used in investment and commercial real estate financing.
Boss Mortgage works with investors on both purchases and refinances structured this way.
Is personal income reviewed on a DSCR loan?
DSCR structures focus on the property's ability to cover its debt service, which is why investors often consider them. The specific documentation an investor requires can still vary.
A loan originator who works with these programs can outline what a particular scenario would require.
Can I finance more than one rental property?
Many investors hold multiple properties. Boss Mortgage works with complex tax returns and with 1–4 unit properties, and can explain how equity in one property may be leveraged toward another.
What types of loans do you offer?
We offer a wide range of loan options, including Conventional, FHA, VA, USDA, Jumbo, and New Construction loans. Our team will help you choose the one that fits your needs and financial goals.
View Loan ProgramsHow do I get pre-approved for a mortgage?
Getting pre-approved is simple. Provide basic financial information, such as income, credit score, and debt details, and we’ll guide you through the process to determine your loan eligibility and budget.
How long does the mortgage process take?
The mortgage process typically takes around 30–60 days on average, but it can vary depending on the situation. It is recommended to get pre-approved for a mortgage to help keep the process as quick as possible.
Other programs
DSCR Loans
Debt Service Coverage Ratio financing for investment property purchases and refinances, explained by Boss Mortgage.
Learn more →
Investor Loans
Financing for rental and investment property, from a first rental to a growing portfolio, with Boss Mortgage.
Learn more →
1031 Exchange
Financing that supports a 1031 exchange, coordinated with your qualified intermediary and tax advisor by Boss Mortgage.
Learn more →
Lending in a Trust
Purchasing or refinancing property held in a trust, with guidance from the Boss Mortgage trust lending team.
Learn more →Ready to get started?
Every situation is different. We’ll help you understand your options and what may fit your goals.
This page is general information about mortgage financing and is not a commitment to lend, an offer of credit, or financial or legal advice. Program availability, guidelines and requirements are set by lenders and investors, can change, and depend on your individual circumstances and the property. Talk with a licensed Boss Mortgage loan originator about what applies to you.
Boss Mortgage LLC NMLS #2547821. See the Licensing page for state licensing information. Additional disclosures appear in the footer of every page.