Unlock Liquidity Without Selling Your Rental Property

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If you already own a rental property, there’s a little-known yet perfectly legal strategy that could allow you to generate cash without parting with your asset!

This involves selling the property to yourself through a Société Civile Immobilière (SCI) (Real Estate Investment Company).

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Here’s how it works:

• The property is sold to the SCI, allowing you to immediately access liquidity.

• The SCI (which you manage) takes out a loan to purchase the property.

• The loan is repaid using the rental income from the property.

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Key Requirements:

• The property must be rented.

• The rental income should cover the loan payments.

• Ideally, the property should already be paid off, or the remaining mortgage balance should be low.

 

This approach enables you to unlock the value of your property without losing ownership, turning your equity into usable cash.

For more details, we recommend reading the insightful article by our colleagues at Juriconseil here (Article in French).

If you believe this solution could work for you, contact us to refine your strategy. We can connect you with our specialized partners : tax lawyers, accountants, and bankers, who can help you execute this operation effectively.