buying rental property under your existing business?

[Lee Cruz]

I have a small contracting business which is Ltd. The business has the cashflow, i personally do not. I was thinking of purchasing rentals(duplexes) under my business. Is this a good idea? The big banks want 35% down instead of 20%. Big deal for me. Also refinancing is 65% for my business. What would you do?

I was looking at a duplex for $170,000. I have $80,000 to put in. I wanted to use the BRRRR strategy. Use a hard money lender, and refinance after a year. Hopefully do two next year.

The two parts where im stuck is:

1. Should i buy rental properties under my business? Is this now commercial lending? Should i transfer business profits to my personal account?

2. The hard money rental phase. 1st month to 12th month before refinance. Its like negative $300 every month. Do i take a hit, before the refinance? Should i leave all the equity in there and forget the refinance? Ive been trying to figure this out on my own, but i cant find similar posts about my particular situation. 

Any suggestions appreciated. Thanks bp!