Mortgages & Entities

[Steve Stepp]

I am doing research before I buying my first house to rent out and almost everything is making a lot of sense. 

However, I do have one question that I guess I am just missing the answer because it seems like it would be basic. I am reading advice to create an entity (such as a LLC) for rental estate investing for liability & tax purposes. Makes sense. But I also hear that LLCs usually can't get a mortgage from banks and most banks have a stipulation about transferring to an entity.

How does this work? Are people getting mortgages as individuals even though they setup an entity? Are they getting rental income to their entity, then just having that entity pay the mortgage payments for the individual? 

Even when reading about getting private money, it usually talks about refinancing in a year to get a regular mortgage. Is this a mortgage to the entity? Or the individual?