To LLC or not to LLC till Refinance

[John Fortes]

Hello! As I know this is not professional advice till I consult with a professional. I just would like your input on the matter. 

First, My wife and I are weeks away from closing on our first investment opportunity. This is lender financed and we did have to put down 15%. We have a goal of refinancing to pull out our down-payment to be able to move onto another investment. With that said, we would like to put it under an LLC but am conflicted to do so if we are only going to be refinancing in the near future.

Question is LLC it now then go through the whole put it back under our names to refinance or do we leave it under our names then refinance and then LLC it?

I do understand that the lender can call the loan if it is under an LLC, I know that many will state this. Please before you do, can anyone tell me of a case or instance that someone had this happened to them when they put it under an LLC?

I thank you all for your time and input on this matter as It would help me move forward with what we are trying to do. Thank you!

[Nicole A.]

I think your best bet is to go into a few different local banks and talk to them. Ask them these questions. Tell them your plans. Then you'll get an idea if they work with small business or not. I personally have always got my properties via my LLC right from the start.