You Got Traded. Your House Didn't.
Moving a rental property into an LLC without losing your mortgage rate
The moment a tenant moved in, that property stopped being your home and became a business, and the risk profile changed completely, but the title did not change with it. A rental in your name is a lawsuit magnet aimed at your entire net worth. This guide is about fixing that exposure the right way: moving title into an LLC so a tenant's lawsuit cannot reach your personal wealth, without triggering the clause in your mortgage that could force you to refinance at today's rates. Done with your lender's cooperation, not behind its back.
“Your rate stays the same. Only the name on the title changes.”
Brandon Leopoldus, Esq.
Get the Playbook
What's Inside
38 Pages. 7 Sections. Plain Language.
- 01Why a rental is a different animal than a home
- 02A rental in your name is a lawsuit magnet aimed at your net worth
- 03Why a trust is not the protection you think it is
- 04Exactly how the due-on-sale clause works
- 05The title transfer, done safely and with your lender's consent
- 06Insurance, leases, and running the property like the business it is
- 07The rate stays. The guarantor stays. Only the risk moves off you.
This playbook is educational. It is general information, not legal, tax, or investment advice for your specific situation, and reading it does not create an attorney-client relationship with Leopoldus Law, APC.