Rental Property Financing - How to Leverage Banks

[Anthony Pace]

Hello,

I am generally new to the real estate game. I currently have a hard money loan on a bundle of 4 properties, but the loan is interest only and will expire in the next 2 years. I want to refinance my lender out and get some kind of conventional loan so I can pay down the balance with the rental income. How can I go about getting financing? 

I have tired with one bank but I am having a difficult time because the properties are under my LLC and the bank I am currently working with is combining my personal debt with the business debt and apparently the rental income might not be high enough to get approved for the loan.

Would it make a difference if the properties were under a business name that is filed as a S- Corp or a C- Corp?

Any suggestions?