What considerations should I take into account if I am thinking about financing a large expense like a roof replacement into a monthly payment? Does this impact my credit score? Any origination fees/early pay offs? Etc

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Depends on who you are financing through but most likely does impact your credit score although probably minimally if your credit usage was already low and you have a good score.

Is this for your house? A commercial property? It really depends on the type of property.

It’s a flip under my LLC

Ah. Then it’s a working capital short term loan. Likely no prepayment penalty, but definitely pay it off as soon as you sell. Really at closing. The lender will require that. They’ll likely do a hard check on your credit score. But if you own the house you’re flipping outright give them a security interest and pay them off immediately. Interest will be high, but I’m guessing this is a short term loan. You’ll likely be required to guaranty it personally, but it shouldn’t impact your credit score as you’d be borrowing from the LLC. Now how you set up your LLC structure is an entirely different matter.

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