First property purchase as an LLC vs. Personal?

[Keith Miller]

My Mother and I have partnered to create an LLC to begin our real estate portfolio that we intend to slowly scale. Our basic criteria includes side by side duplexes that create at least 1% combined rental income on the buying price of the property. We know the benefits to protecting our personal property with an LLC, but we are now being told that purchasing a 2 unit property through our LLC requires a commercial loan with a 25% down payment. Our business is in Wisconsin.

Does this sound correct to others? Have other experienced investors started this way? I thought that commercial loans were for anything larger than 4 unit properties? If this isn't the case, would it be smarter to take a personal loan for our first property and then eventually change the title and mortgage over to the LLC at a later point when we have established credibility in our business.