Looking for Advice on BRRRR Refinance

[Kwok Wong]

Hello guys, I am looking to brrrr out of state in Indianapolis and talking to a brokerage about refinance. The loan officer came back with questions that I need advice with. Currently, I do not have any property under contract or any property that can be refinanced. This will be my first deal.

The purpose of me talking to a loan officer is to find out the loan amount I can qualify when we do the refinance.
Am I taking this step too early?

Secondly, the loan officer is assuming that I might be closing in an LLC.
I do not have any LLC, was thinking to close in my personal name. This will be my third property under my personal name.
Also, why did the loan officer make the assumption?

Lastly, I am located in Hawaii. Should I establish an LLC and close in it at this stage of my investing journey? If so, How can I do it?

Thank you very much in advance for any input.