Putting rentals under personal name

[Kenny Tran]

Hi everyone, I currently own 2 rentals under my corporation. My mother let me use some of her line of credit to purchase both properties. One house I borrowed 80k and another I borrowed 30k. The interest on the credit line is currently around 8%.  My father who is in the loan business told me I am qualified for refinancing and getting a rate at 6% but the only catch is I have to put the rentals under my personal name to qualify for the 6% rate. It has something to do with my W2 qualifying me with my income or something. I forgot the details on what that program is, but my father said I qualified for it.

I always hear investors say to never put rentals under your personal name and I followed that. My father said since its only 2 rentals, I shouldnt be too worried compared to having 20 under my personal name. I want to refinance and pay back my mothers line of credit and both houses I have enough equity to do so. I will cash flow great still at 6% or 8% too so my question is what would you guys do in my position? 

transfer the houses to my personal name and get a 6% interest or keep the line of credit until rates drop im guessing closer to the end of the year? but the latter is all speculation in hopes rate drops by the end of the year and I dont like to do business that way under the assumption it will drop.