Single family vs commercial 4+ units/ LLC

[George Martinez]

Hi everyone and thanks in advance for your help,

I am going to provide the full story so there is a full understanding, so I apologize if this is a long post. I am currently fixing up my current home (starter home) to get it rent ready. I have saved up money to upgrade my family to a bigger home and want to take advantage and rent our starter home. I have saved up enough for both a personal property and a third rental, both being financed. Personal property at .05% down payment and investment home at 20% down. My end goal is to have a rental portfolio under a LLC/Company and be able to grow a business, build credit with my business and grow it slowly. Where I am getting confused are my conversations with my broker when it comes to financing the investment property under a company. Essentially the broker is telling me that single family homes and anything under 4 units will not close under a business and if I want to grow a portfolio under a business it will be better to buy commercial properties 4+ units. I feel like I'm missing something and am curious what everyone's thoughts are on this and how you guys handle your investment journey? Are my goals not realistic? Where can I go to get more information about this? Thanks everyone!