Loans in LLCs and Personal Credit

[Jessica Jay-Maleski]

Hello, all! 

I am currently in the process of refinancing my 4-plex along with buying two more rental properties. All of these loans will be in the name of my LLC (and the properties will also be owned by the LLC) rather than my personal name (yes I am aware that does little to protect my personal assets, but I've been very encouraged by by the ability to keep my personal credit out of the mix by taking the loan in the LLC). While I am still sussing out details, I am not positive if I will personally be considered a guarantor on the loan or if they will consider this loan to be entirely asset-based but either way, I do not anticipate the loans being reported under my name.

So my question begins here: hypothetically (and I understand there are probably a million variables), if I wanted to purchase a new primary residence, HELOC my current, etc and *assuming it will not show up on my personal credit report*, when applying for a new loan with a different bank, would you even bother to disclose ownership of rental properties? Is it realistic to say that "I" don't own any rental properties because they belong to my LLC, not me? Or is that just too much of a stretch, too likely to "get caught" if I don't bring it up and cause a lot of headache for everyone? ...or some other issue I am sure I am not considering?

I know every loan product is different, and that in some cases it would be of benefit for me to have the rental income included if I wanted to "amp up" my earnings (I know many lenders will credit you back like 75%), but for the sake of simplicity, let's assume my income from other sources is sufficient and I am trying to avoid the extra ppwk. 

I am absolutely not attempting to commit mortgage fraud or anything of the like - I am just looking to ensure that I make each move strategically so as to maximize my available credit while still staying honest. I am just curious if anyone else has dealt with the domino effect of moving things in and out of their personal name/LLC's, trying to make sure your taxes are legit while still reducing tax liability AND being strategic enough to ensure that when the first domino falls, the rest fall into the correct places (the ultimate dream, right?)

Any and all advice/feedback is appreciated. TYTYTYTY!