LLC vs Personal Name

[David Hansen]

Hello BP!

As many of us are consistently debating, holding RE in our personal names to take advantage of lower rates and better loan terms vs holding RE in a LLC to take advantage of liability protection, which do you do?

BUT is there an alternative? Many have financed RE in their personal names, then after closing quit claim it to their LLC...but what about the due on sale clause?

My question....can one hold RE in thier personal name and run the finances through their LLC? I understand one would not have the liability protection, but my thoughts are this:

1. I would never have to worry about my bank calling my mortgage due (quit claiming deed to my LLC)

2. I could purchase additional insurance to help offset my liability

3. As my properties are paid off, I could move them into my LLC name

a. As I increase in the amount of RE properties, I could refinance in my LLC name