Brain fart how do I expand without personal credit being affected

[Gabriel F.]

Hi everyone, 

I need advise on the best way to structure a company to obtain refinance loans and purchase new properties. 

My sister and I own a property management company which is an LLC with a tax classification of S-Corp which also happens to own all of the properties in the same company name.  Right now, we're trying to get refinance loans in the company but find it difficult to work with banks wanting to loan to an LLC. I've been given advice to put the properties in a trust or to quit claim back into our personal names to qualify for better loan terms and then quit claim them after the fact into a separate new company so that the property management company is separate for liability (management company would have no assets and other  LLC or trust would have the assets). We realize if said properties are to be in our personal names we have more liability issues potentially and when we apply for loans we could get better terms in interest rates and opportunistic for approval with the banks. The only down side we don't like is if we apply in our personal names our personal credit will be used and I was hoping we could build the business on its own footing. I want to get your opinions of what you're all doing by asking my fellow BP pros that deal with multiple property holdings.