Rental Refi out of Hard Money

[George Hoover]

I recently finished my 1st SFH rental rehab and have a tenant paying $895/mo plus all utilities. Here are all the numbers:

• purchased for $46,500
• rehab costs = $21,060
• ARV about $96,000
• monthly rent $895
• taxes $1549/yr
• insurance = $65/mo
• location is Sheffield Lake, OH
• owned for about 4 months via hard money lender at 12% no points all interest payable at refi.

So I have 2 questions:

1. Will a conventional lender offer 70% LTV and 6 months seasoning?
2. Should I definitely insist on financing in my LLC name as it is now?

Any advice would be greatly appreciated.  Thanks