Investor · Florida
LLC Purchase (Investment) in Florida
Buying Florida investment property in an LLC for liability and tax benefits? DSCR and portfolio loans close in your entity name.
Common challenges we solve
- Need title in the LLC, not personal name
- Want to scale beyond 10 conventional loans
- Anonymous or series-LLC structures
What you get with Lumos
Title and loan in the LLC from day one
Competitive leverage options on rentals
No personal income docs on DSCR
What's different in Florida
Florida LLCs are formed through Sunbiz (the Division of Corporations) and must file an annual report to stay active — lenders check that the entity is in good standing before closing. Florida documentary stamp tax applies when a deed is recorded, including transfers into an LLC, so plan the title structure before you buy.
Loan programs that typically fit
Frequently asked
- Does the LLC need a credit history?
- No — we use your personal guarantor credit.
- Can I own with partners?
- Yes — multi-member LLCs are routine.
