Duplex analysis - what is best way to finance?

[Brock Agamaite]

I just got this property under contract. What is the best way to finance it?

Upper lower duplex with 3/1 in each unit.

Purchase price of $150,000. 

Rents: $650 each total of $1300. 

Tenants paying all utilities

Taxes $3000/yr and Ins $700/yr

Repairs and vacancy are very low. I figured 2% of gross rents.

On a 30yr fixed at 3.25% I am cash flowing around $400/month. This is figuring a loan amount of $120,000 with $30,000 out of pocket. 

On a 20yr with 5 year balloon at 4.5% I am cash flowing around $150/month. This is figuring an appraised value of $160,000 with this commercial lender lending 80% LTV. Loan of $128,000 and $22,000 out of pocket.

I am not aware of any lenders who will do 30 yr conventional financing if the property is held in an LLC.

Would you go with the higher cash flow on a personal loan or less liability on the commercial loan? Are there any other suggestions anyone can offer based off these numbers?