Straight to LLC or not?

[Eric Eckman]

I'm preparing to buy my first rental property, single family. Ultimately I hope to have several and plan to own them in an LLC. My debt-to-income is such that I could definitely qualify for a traditional 30-year mortgage, with a 20% downpayment and low interest rate but it would be in my name. Under this route, I'd transfer to the LLC in the future.

However, I know there are risks with transferring to an LLC in this fashion so am I better off just biting the bullet and taking the loan out through the LLC, meaning 30% downpayment, likely less than 30 year loan, and likely a bit higher interest rate?

Am I even thinking about this the right way? Any thoughts are appreciated.