While you can't use the loan to buy the house directly, business credit can help you secure a personal mortgage:

However, you can use business-structured financing for a "house" if the property serves a specific business function: 1. Investment or Rental Properties

: You can obtain a mortgage in the name of an LLC to keep liability separate, though these often require higher down payments (20–35%) and have higher interest rates than personal loans. Comparison: Business vs. Personal Financing Business/Commercial Loan Traditional Personal Mortgage Typical Purpose Income-generating or business operations Personal primary residence Down Payment Usually 20% to 35% Loan Term Often 5 to 20 years Typically 15 to 30 years Interest Rates Generally higher Generally lower and fixed

: These are specifically for purchasing assets that generate income.

: You might use a line of credit to cover a down payment or renovation costs for a property financed by a separate personal mortgage.