Can I close a DSCR loan in an LLC?

Yes, and many investors prefer it. Closing in a limited liability company or similar entity is standard practice on DSCR loans, since these are business-purpose loans made for investment property. Lenders typically ask for the entity's formation documents, the operating agreement, and confirmation that the company is in good standing with the state. Members or principals should generally expect to sign a personal guaranty, and credit is still reviewed at the individual level. Vesting rules, eligible entity types, and guaranty expectations vary by program and by state, so it pays to confirm early. Our LLC and entity vesting page walks through the structure and what to prepare before you open escrow.