Residential VS commercial loan for multiple fourplexes

[Elisa Zheng]

Hi everyone, I'm new to multifamily investing and my realtor sent me a few fourplexes on separate lots in the Chicago suburbs. I'm thinking about buying 4-6 of these fourplexes. I'm debating if I should get one commercial loan for all the buildings or separate residential loans for each? 

With a residential loan, I can get 30 year fixed, and better interest rate than a commercial loan (3-5 year fixed, and shorter amortization). However, a residential loan requires me to borrow personally, rather than using my LLC.

I like the better rate and terms with a residential loan, but I'm also worried about the liabilities that may come with it. Can someone please advise? Thank you so much!