Financing / Loan for LLC - Personal? Commercial? 30 Year?

[Ben Naughton]

I'm in the process of acquiring a loan for a nice multifamily deal I have going.  55k + 15K rehab gets me a 1650 sqft home with 3 rental units in it currently bringing in $1,500 a month.  

This is our second rental property, the first we owner occupied with an FHA. We have now formed an LLC and want to finance this purchase too.

My plan is to acquire the property putting 20 to 25% down, do the renovations, rent it out, and refinance.  In reading many blogs on biggerpockets and the books by Brandon Turner it is usually taught to refinance into a nice 30 year fixed rate mortgage.

SO HERE IS MY QUESTION: How do I go about attaining a 30 year fixed if I want this property in an LLC?

As I've been calling local community banks to get a loan and have the property in our LLC all the lenders are offering loans that are shorter than 30 years. The best so far I think was 20 or 25 years with a 5 year adjustable rate. Are 30 year fixed only possible if we personally finance it?

We've even thought through a couple other scenarios, like using 0% APR balance transfers to get the property, fix it, then refinance, or if we could get a 30 year fixed off the bat, rehab it with our CC at 0% and let the cash flow pay them off over the next year, but the bottom line is whatever strategy we use it would be much better with a long term fixed loan.

Any input is appreciated!