📘 Autographed Collector's Edition – Direct from the Author - CRE Book

What if your next commercial real estate deal could change your life—but no one ever taught you how to make it happen?

The Commercial Real Estate Playbook: Lessons From the Fieldis your behind-the-scenes guide to the strategies, mistakes, and mindset shifts that truly matter in today’s CRE world. Written by veteran broker and financing expert Bill Rapp, this book shares the real-world lessons he learned over a decade in the trenches—now available as an exclusive signed copy straight from the author.

Inside this special edition, you’ll discover:

✅ What separates winning deals from disasters

✅ How to confidently transition from residential to commercial real estate

✅ The psychology of reading people and closing with confidence

✅ Financing tips and creative capital strategies across all asset classes

✅ How to build a team, scale your business, and lead through uncertain times

Whether you're an investor, broker, small business owner, or just breaking into the commercial space, this no-fluff guide delivers the real talk—and real tools—you won’t find in a classroom.

Start building your CRE legacy with insights that actually work—and get your hands on a personally autographed copy today.

🏡 Autographed Collector's Edition – Direct from the Author - Residential Book

Buying your first home doesn’t have to be overwhelming—especially when you have a proven, step-by-step roadmap signed by the expert himself.

The Smart Guide to Buying Your First Home

is your friendly, no-nonsense companion through every stage of the homebuying process. Written by trusted
mortgage broker and real estate advisor Bill J. Rapp Jr.

, this autographed copy


offers not just practical advice, but peace of mind—straight from someone who’s helped hundreds of families navigate their first purchase.

Inside this signed special edition, you’ll
learn:

·         🧠 How credit scores
impact your loan—and how to fix yours fast

·         🏦What lenders really want to see and how to get pre-approved like a pro

·         💸Budgeting truths, hidden fees, and the myth of “$0 down”

·         🛠️The importance of building a dream team—agent, lender, and inspector

·         📝What to expect during inspections, appraisals, and closing, pl🇺🇸 Bonus content for VA borrowers, including how to get your COE and maximize your benefits

Every chapter includes clear action steps, checklists, and insider tips to help you stay organized, informed, and
empowered.

Whether you're buying solo, with a partner, or
for your growing family, this personally signed copy

is more than just a how-to guide—it’s your coach, mentor, and trusted friend for the journey ahead.

Order now to get a signed edition shipped directly from the author—and take the first confident step toward homeownership.

The Commercial Real Estate Playbook: Lessons From the Field:

"Blueprints for Success in Commercial Deals, Lending & Leadership"


What if your next commercial real estate deal could change your life—but no one ever taught you how to make it happen?

In
The Commercial Real Estate Playbook: Lessons From the Field, seasoned broker and finance expert
Bill Rapp
pulls back the curtain on the real-world strategies, pitfalls, and breakthrough moments that shaped his career—and the careers of countless clients and professionals he’s served.

From structuring your first deal and building your personal brand, to overcoming financing roadblocks and surviving market downturns, this no-fluff guide is packed with firsthand stories, actionable insights, and field-tested tools to help you thrive in today’s complex CRE landscape.

Whether you're an aspiring broker, active investor, small business owner, or someone looking to understand the lending side of real estate, this book offers a front-row seat to lessons that aren’t taught in classrooms—but can make or break your success.

Inside you’ll discover:

What separates successful deals from failed onesHow to transition from residential to commercial with confidenceThe art of reading people and closing like a proSmart financing tactics for every asset class—from retail to multifamilyHow to scale your business, lead a team, and future-proof your career

If you're ready to stop guessing and start building a legacy in commercial real estate, this playbook will be your trusted guide.

The Smart Guide to Buying Your First Home!

"From Credit Scores to Closing Day"


Buying your first home doesn’t have to be overwhelming — not when you have a proven roadmap in your hands.The Smart Guide to Buying Your First Home


is a friendly, practical, and down-to-earth companion for anyone ready to turn the dream of homeownership into a reality. Whether you're just starting to think about buying, already browsing listings, or preparing to make an offer, this guide breaks it all down — step-by-step — in language that makes sense.Written by seasoned mortgage broker and real estate advisor
Bill J Rapp Jr, this guide covers everything you need to know, including:

How your credit score affects your mortgage (and how to fix it fast)What lenders arereallylooking for — and how to get pre-approved like a proBudgeting tips, hidden costs, and why “$0 down” doesn’t mean “free”How to build your dream team and search with strategyThe real-deal guide to inspections, appraisals, and closing dayBonus insights forveterans using VA loans— including how to get your COE, debunking common VA myths, and planning for future moves or refinancing

Plus, you’ll find action steps, checklists, and practical tips in every chapter — making it easy to stay organized, empowered, and confident throughout the process.Whether you’re buying solo, with a partner, or as a growing family, this book will help you make smart decisions and avoid costly mistakes.


It’s more than a how-to manual — it’s a trusted guide, mentor, and coach all in one.Homeownership is a journey — not a race. Let’s take that first step together. 🏡

ABOUT AUTHOR

Bill Rapp


Bill Rapp is a seasoned commercial real estate broker and finance expert with over a decade of experience helping clients navigate complex property transactions and capital solutions. Based in Houston, Texas, Bill specializes in investment sales, acquisitions, and commercial financing strategies tailored to meet the needs of investors, developers, and business owners. He brings a
unique blend of market insight, negotiation skills, and financial acumen to every deal, consistently delivering value and growth opportunities for his clients. With a deep knowledge of the Houston and Greater Texas markets, Bill
is committed to building long-term relationships and helping clients make smart, strategic decisions in today’s ever-evolving real estate landscape. When
he’s not closing deals or analyzing the next big opportunity, Bill enjoys time with family, outdoor adventures, and giving back to the local community through mentorship and service.If you’d like, I can help write or edit these based on
the book content we’ve built so far.

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🏢 Should You Buy Real Estate in an LLC or Your Personal Name? Investors Need to Know This ⚖️

💼 LLC vs. Personal Name: The Smartest Way to Title Your Investment Property in 2026 🏠

December 08, 20253 min read

💼 LLC vs. Personal Name: The Smartest Way to Title Your Investment Property in 2026 🏠


🏢 Should You Buy Real Estate in an LLC or Your Personal Name? Investors Need to Know This ⚖️


💼 LLC vs. Personal Name: How Investors Should Title Their Properties When Financing

Choosing whether to title your investment property in an LLC or your personal name is one of the most misunderstood parts of real estate investing. And it matters — not just for asset protection, but also for financing, rates, approvals, taxes, and long-term portfolio planning.

As a mortgage broker who works daily with investors across Texas and the U.S., I can tell you this:
There is no one-size-fits-all strategy.
But there is a smart way to structure your deals depending on your goals.

Let’s break down exactly how investors should think about titling their properties when financing in 2026 and beyond.


🏢 Buying in Your Personal Name: Pros, Cons & When It Makes Sense

Advantages

• Lower interest rates
Conventional and DSCR lenders typically offer better pricing for loans closed in personal names.

• Easier approvals
Lenders can underwrite your credit score, tax returns, and income directly — often resulting in smoother approvals.

• Better long-term financing options
30-year fixed rates, lower DSCR minimums, and streamlined refinances are usually available.


Disadvantages

• No liability protection
If something goes wrong at the property, you are legally exposed.

• Harder to assign later
Transferring title into an LLC after closing may trigger lender due-on-sale clauses (though many do not enforce this if payments remain current).


Best For:

• First-time investors
• Investors needing the best rate
• DSCR loan borrowers
• House hackers and small multi-unit buyers


🗂️ Buying in an LLC: Pros, Cons & When It Makes Sense

Advantages

• Strong liability protection
Your personal assets stay insulated from tenant or property-related claims.

• Cleaner bookkeeping
LLCs make it easier to track expenses and manage multiple properties.

• Professional credibility
Banks, partners, and contractors often view LLC-owned real estate as more sophisticated.


Disadvantages

• Higher interest rates
Commercial and LLC-titled loans can price higher than personal loans.

• Larger down payments
Many lenders require 20–30% down for LLC-held assets.

• More documents
Operating agreements, EIN, and organizational paperwork are typically required.


Best For:

• Investors with >2–3 rental properties
• BRRRR investors
• Partnerships
• Investors prioritizing asset protection
• Portfolio loans and blanket loans


⚖️ The Financing Truth Most Investors Don’t Know

Lenders prefer you close in your personal name — but you can often transfer the title into the LLC after closing.

This gives you the best of both worlds:

✔️ Lower rates
✔️ Easier financing
✔️ LLC protection (after the transfer)
✔️ Keep the loan in your personal name

Investors call this the “close personal, hold LLC” strategy, and it is one of the most efficient ways to build a portfolio.


🧠 How I Advise Investors at Medallion Funds

Every investor’s situation is different.
When we build a financing plan, we evaluate:

• Are you building a long-term portfolio?
• Do you need the lowest payment possible?
• Are you using DSCR, bank statement, or conventional financing?
• Are you planning to cash-out refinance later?
• Is asset protection or borrowing power more important today?

With the right strategy, you can finance in your personal name and build your liability protections around your LLCs at the same time.


🏁 Final Takeaway

If you want the best rates — close in your personal name.
If you want the best liability protection — hold in an LLC.

And with the right lender, you can do both.

If you want to structure your portfolio the smart way, reach out and I’ll walk you through options across DSCR, conventional, bank statement, and commercial loans.



https://www.billrapponline.com/

https://findamortgagebroker.com/Profile/WilliamRappJr28883

https://billrapp.commloan.com/

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https://veed.cello.so/FOmzTty6oi9

https://creplaybookseries.billrapponline.com

https://creplaybook.billrapponline.com/


© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory


LLC mortgage requirementshow to title a rental propertyasset protection for investorsDSCR Loansmortgage approval for investorsLLC for rental propertyinvestment property financingproperty title structureLLC vs personal namereal estate investing
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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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