Help with LLC registration and/or changing finance strategy

[Brock Sheets]

I am in the early stages of buying my first rental property. I was recently approved by a lender and when I asked the lender about lending to the LLC, his reply was to just buy it in my name and transfer it to the LLC after closing.

When I spoke with an attorney in PA, he said that doesn't make sense for me because of the 2% transfer tax I would get hit with.

Does it make more sense to 1. try and register the LLC to a state that doesn't have that transfer tax? 2. Look for lenders who will lend to LLCs? or 3. abandoned the LLC and just get an umbrella policy for coverage?

I appreciate all and any feedback! Thanks!