LLC to personal entity?

[Sean Han]

Situation: 2 fam investment property purchased with non-conforming commercial loan, 30yrs fixed @ 5.6% with prepayment penalty (5%-1yr til 5th year being 1%) on Mar 2021. LLC under wife's name as a sole proprietor.

Plan: Buy the property under my name as w-2 investor with hopefully with higher appraisal (Fully rented with 9%CAP, did some upgrades).

Questions: Is it worth the journey? I deal with the pre-payment penalty, but my math says it is worth it long-run.