Conventional with title in LLC

[Bradley Hager]

I've heard so many times to always put your rental properties into an LLC however I'm running into road blocks doing this and I'm curious if I'm the only one.

1) I bought my first property in my own name with conventional financing. After realizing it made sense to transfer title into an LLC, I started investigating and talking to my lender and I was told that since it's a Freddie Mac loan it would trigger a due on sale clause. Obviously not what I want.

2) I'm about to buy my second property and want to put it in an LLC from the beginning. However now I'm being told by the lender that I can't do conventional financing and title the house into an LLC at the same time. The only way is to either ensure I get a Fannie Mae loan and move title to the LLC after closing (but he said something about a "continuation of obligation" clause which I still need to look into) or go with a non-conventional investor loan with an 8%+ interest rate.

Just wondering if I'm missing something here or doing something wrong because it doesn't seem to be so cut and dry on putting a rental property into an LLC. Any help or insight would be greatly appreciated!