Help with first property & LLC

[Harish C]

Backstory: Have a SFR in my wife’s name which we recently refinanced and currently being rented. Trying to start a LLC but lawyer highly recommended I get consent from the mortgage lender about transferring deed to the LLC. Lender said NO and that they will mark it on my file that they said no and did not give consent for the transfer of deed. I don’t want to trigger the DOS clause and get myself in a situation where the house goes to foreclosure.

Dilemma: I have heard people say that the best way is to buy properties in their own name as banks like lending to a person rather than a new LLC that has no history or track record. How do people who get loans in their private name get the consent of the lender and move asset into LLC to get the protection of an LLC? What am I missing here?