Need to move duplexes to LLC but loans can be called due??

[Amber Hooks]

Hello everyone. I am fairly new here, so thank you in advance for your patience with my questions. I have a duplex that I purchased using cash down and a conventional loan. I need to move the property into an LLC. However, the lender has indicated that the loan COULD be called due. The lender also indicated that she has not actually seen a case of the loan being called due...but I don't want to risk that it would happen to me. Does anyone have experience or advice about this? This property is a partnership investment, so I THINK it needs to sit in the LLC I have with my business partner. We file a partnership return, and get K-1s.

Second, I am closing on another property that I need to place into a newly (yet to be created) LLC. However, my lender said that I cannot put the loan in the LLC's name and same goes as above if I move the property into the LLC after closing.

What the heck do people do in these cases?  I just don't get it.

Again, thanks in advance for your patience and help!