By Daniel Becerril, Executive Branch Manager, NMLS #2388968 · Updated October 21, 2026
The short answer
Yes. Many investors assume a refinance means deeding the property back into a personal name, closing, and then deeding it back to the LLC. With business-purpose investment loans, such as DSCR programs, the LLC itself can be the borrower. Members usually sign a personal guarantee, and the property stays vested where it is.
Why conventional loans are different
Conventional loans backed by the agencies are generally made to individuals. That is why an investor with properties held in an LLC often hears that title has to move. Business-purpose programs are designed around the entity and the property instead, which is why they're the usual route for LLC-held rentals.
What a lender looks at
Instead of your personal tax returns, a DSCR-style refinance looks mainly at the property: the rent it brings in compared with its full monthly payment, including taxes, insurance and any HOA dues. Credit, equity and reserves still matter, and every program has its own guidelines.
Documents to have ready
Expect to provide the operating agreement, articles of organization and EIN letter, a certificate of good standing where your state requires one, current leases or a rent roll, the mortgage statement, insurance and tax information, and an ID for each guarantor. The exact list depends on the program.
Next step
Run your numbers with the calculators on this site, then send your scenario through the form. Daniel will review it and tell you which options fit.
General information only, not an offer, a commitment to lend, or tax or legal advice. Programs, guidelines and terms vary and change.
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