Should I set up an LLC now or wait until after refinance?

[Jack Lee]

Hi guys, I have recently closed on my first investment property ever. And just consuming as much information as I can, I initially planned on transferring my asset to an LLC (will reach out to lender before doing so as there is a due on sale clause). My question now is given we are in this high rate environment, I expect the refinance window will kick in say in the next 3-5 years. Would it make sense to transfer my property to the LLC now or do so after my refinance? As I've read on the forums as well as watching videos regarding this, it seems going through the buying/refinance process with the lender as an LLC is not the most beneficial, especially for a relatively new LLC with short length of establishment and history of income streams.

What are some of your thoughts? The last thing I want to do is put myself in a situation where getting a refinance done is harder and leaning towards having the property as my name until after I refinanced it, with the risk of not having the most optimal asset protection in the meantime.