CASH OUT REFI, DEBT TO INCOME TOO HIGH, DO I NEED AN LLC?

[Lori Bray]

I need advice badly. My husband passed away so my W2 income is now half what it was. I have 2 single family rentals and a duplex. Plus my personal home. We never started an LLC. I spoke to Wells fargo about cash out refi on one property to continue investing but he says my debt to income ratio is way too high. A friend said that if I move the properties to a LLC then the monthly payments don't show on my personal credit report therefore reducing the debt to income ratio. any suggestions or comments ?