Should I use my LLC or my own name for loans on rentals?

[Lee Gierszewski]

I have 3 rentals under my business name right now, One of them is on a 20 year fixed rate loan at 4.325%. The other two are on a 20 year at 4.5% but balance is due in five years. If I switch these two loans I can get them on a 30 year fixed at 4.3% but the catch is I have to put them in my name. I’m worried about the liability concerns of having the rental properties in my name. I do have a $2 million umbrella policy over these properties with my insurance. Should i go ahead and refi to lock in the rate or do i stay Under the LLC and hope rates don’t jump too high in the next 5 years? Any advice would be greatly appreciated.

[Lee Gierszewski]

@Rob Beardsley Thanks for the reply. I think i'm more concerned about what rates are going to do. Going to the 30yr would increase my cash flow considerably & I wouldn't have to worry about the loan rates again.