Strategy for young investor

[Akshar Agarwal]

I'm 20 years old, looking to get into real estate. I've been reading these blogs, listening to podcasts, and working with some other investors for a couple years and am ready to get into the game.

I've got 100k saved up and have always thought I'd follow the BRRRR strategy, but I've learned very quickly that refinancing is a lot harder than that.

I want to buy the first home cash, fix it up, refinance, repeat. But banks keep saying I need X months of rent history and need to hold the title for 6 months to a year. 

Should I just get a traditional mortgage and pay the down payment cash then use rent to pay it that way?

Why refinance vs mortgage? Just the different rates?

I've found a lender who will offer me the right loan at 3.5%, but they can't loan to an llc. Is it bad to do it this way? I own a small landscaping business that I don't want to get mixed up with things but I'm worried if it's all just in my name then it may not be good, but the rate is only for individuals (they won't do it for businesses and if I transfer the property then they call the mortgage due)