1st MF purchase - LLC or Sole?

[Glenn English]

I got all hyped up about investing and decided to form an LLC. I probably jumped the gun because I went on LegalZoom and set up my LLC, and now I'm learning maybe I didn't need to do that as I also have an umbrella policy on my personal insurance coverage and there are other entities such as Trusts which I should have looked into. So now I am in the process of buying a 2 family home in Massachusetts and I'm not putting it under my LLC. Am I foolish not to do so? It seems to complicate matters when it comes to financing. At some point I do want to own property under the LLC and I also thought when I re-finance this new one, I could always transfer over. What are your thoughts?