Can't Close a Loan in the Name of an LLC?

[Scott Trench]

I don't understand what I'm doing wrong here. 

Things have gone well with my first rental. I've moved out, stabilized it with two sets of great tenants, got a great new insurance policy, and the property seems to have appreciated quite a bit in value.

Now, I want to refinance out of my FHA loan and move the property into an LLC.

I DON'T UNDERSTAND why this is so difficult for lenders to understand. I am willing to continue personally guaranteeing the loan, I just want the property to be in the name of an LLC. The problem is that lenders won't allow me to close on a loan while the property is under an LLC, and I'm just being told that "everybody moves it to the LLC and the notes never get called due." I'm not interested in this. I do NOT want to get in front of a due on sale clause, and I believe that these notes WILL get called over the next decade as interest rates rise.

Are there lenders that will work within reason on this? Again, I'm going to guarantee the loan. I just want to move the property to an LLC now that I am no longer living in it!