Structure of loans and bank terms, buying in an LLC

[Richard Florestan]

Hi, I'm planing on buying a few 4 unit rental properties and have been shopping different lenders that are local to the areas in buying in. I have been able to get qualified but find it amazing how different each banks loan packages are. Most of the banks I talked to want me to buy the homes under my name and then transfer it to my LLC for liability protection. How hard is it to do to get the properties transferred, expensive or things to keep in mind? My take on interest rates are they can't go down much further. I have 1 back that is willing to do 15 year fixed rate but most are 5 year balloons. I'm worried that the interest rates will be higher and turn a good deal into an ok cash flow deal. So I see a lot of upside by locking in a fixed rate. Does anyone have opinions on banking loan terms or strategies you have used with banks? Where I am right now is I am afraid of a balloon loan, would rather cash flow less and pay a little less taxes but also less interest and have them all paid off faster in 15 years. Thanks for reading