Yes. All of our DSCR programs allow entity vesting. You can close in an LLC, LP, corporation, or other eligible business entity. The loan is underwritten based on the property's rental income — not your personal income or employment.

Not necessarily. Many investors form LLCs in Wyoming, Delaware, or their home state and then register as a foreign entity in the state where the property is located. However, some lenders may have preferences. We can walk you through what works best for your situation.

Typical entity lending documents include: Articles of Organization (or Certificate of Formation), Operating Agreement, EIN letter from the IRS, and a Certificate of Good Standing from your state. Once you build this package, it's reusable for every deal.

No. Most of our DSCR programs do not require entity seasoning. Newly formed LLCs are eligible. You can form your entity and close on a property in the same month.

Most of our DSCR programs do not require reserves or asset seasoning when closing in an entity. This is a significant advantage for investors who want to preserve liquidity and deploy capital into the next deal.

Yes. We offer DSCR programs with no ownership seasoning on title. This means you can complete a rehab, place a tenant, and execute a cash-out refinance at the new appraised value — without waiting 6 to 12 months. This is a critical advantage for BRRRR investors.

Absolutely. Many investors hold each property in a separate LLC for liability isolation. Our programs accommodate multiple entities — each loan is evaluated independently based on the property's performance.

All business purpose DSCR loans require a personal guarantee to protect the lender in the event of default. Any individual who holds greater than 50% ownership interest in the borrowing entity must be named as a guarantor on the loan.

For credit qualification purposes, most programs use the highest middle credit score among all named guarantors. This means that in a multi-member entity, the guarantor with the strongest credit profile sets the baseline for program eligibility, rate pricing, and LTV options.

While the loan is underwritten based on the property's income performance — not personal income — the guarantor requirement is a standard component of business purpose lending and applies across all entity structures.

This depends on your tax situation, portfolio size, and long-term strategy. An LLC is the most common and straightforward choice for real estate investors. S-Corps can offer tax advantages in certain situations but add complexity. We recommend consulting with a CPA who specializes in real estate investing to determine the best structure for your goals.

No. Seth Capital Group is a business purpose lending platform — not a tax advisor, attorney, or CPA. The information on this page is for educational purposes only. We strongly recommend working with a qualified attorney and certified public accountant for entity formation, tax planning, and legal advice.