Hello, 

I purchased a home in Michigan and am entertaining sectioning off the lower level as it's own apartment, and renting it out to a tenant below. It has its own kitchen, bathroom, etc. I would be living on the upper level "unit", and renting out the lower level "unit", but it would still be zoned as single family. 

I've gotten mixed feedback, but how do I go about title on this? I would love to have title under an LLC, but my lender is explaining that because it is my primary residence, the lender could technically call the loan if I am using it as a rental property.

I am looking to purchase another property in the near future, but a similar question remains. To close, I am being told I would need to have the property titled under my name. How do I go about transferring the title over to an LLC after closing, without complicating the mortgage? I'm a new investor, so sorry if this has been asked countless times before.

Hoping there are some other Michiganders here that can help! 

Thanks