Should I start an LLC or wait until I actually have assets?

[Dustin Leonard]

Should I start an LLC right off the bat or wait until I actually have an asset or 2 and then transfer. If I should transfer later, what do I do about the "due upon transfer of ownership" clause from the bank? Can I get a local bank to agree to a transfer into my LLC? Obviously I would love to capitalize upon the lower interest rate of acquiring the financing through my personal name.