Cash Out Refi Options

[Minh Cao]

Newbie here and need some advice. Here is the scenario:

My partner and I have a contractor's license and our goal is to buy land, construct multi-family and hold onto the investments so we created an LLC for the development/construction company.

Back in March I bought a duplex under my name and have finished the repairs and both units are leased. One with a 6 month lease and the other on a year lease. Property is owned free and clear.

Questions are with our particular goal in mind:

Do I try to cash out re-fi under my name or transfer to LLC and then re-fi?

What are the max LTV for each option?

Any suggestions on lenders in Florida?

Thanks.