Mortgage question Help!

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I have searched the archives and couldn't come up with anything exactly pertinent. So here is the question....

Scenario: excellent Fico score 880, liquid assets, and want to make a purchase in the 30K range for an investment property but don't want to use cash. We want to save the liquid assets for other investments for down payments etc. Is there a minimum mortgage amount that a bank will require that we have to borrow based on salary, assets etc.?

In other words can we make an 80% loan at the current mortgage rates without having to pay an interest penalty for being under a minimum mortgage loan?

And secondly, will quit claiming from a personal loan to a living trust help protect the assets rather than having to establish an LLC?

Thanks for your help!

Karen K