Financing issues: LLC owns homes

[Michael Herr]

I am trying to secure financing/refi's for single family homes held as rental property.
All the local banks I've talked to have been unanimous:
If the LLC owns the home, they can only give me loans with 5yr baloons at around 4.5-5%.
I have less than 10 properties financed, so many banks will do 15-30 yr full-term financing at a better rate if I transfer ownership to my personal name?
One said 15yr at 3.5%

Are other people securing financing for single-family homes owned by an LLC? If so, at what terms?

Is the reward of not having baloons and getting a better rate worth the risk of owning in my own name?