Multi member LLC lending/tax question

[Mason Osborne]

Hi all. My group is getting started in real estate investing. We have created a multi member LLC and have established operating agreement, real estate agents, contractors, CPA and have identified some potential properties and PM companies. So we are exploring lending options at present.
I gave The One Brokerage (David Greene associated lending Co) a preliminary call to see if they operate in VA (they do!) and if they could help us financially get rolling. I was informed of a potential problem of our LLC. The loan officer said that we need to talk to our CPA about property purchases in the future and make sure from a tax/accounting perspective that later we would not run into issues on an individual level for personal property purchase and loan qualification.
    The example he gave was “from a lending perspective when we look at you as an individual we will see 100% of the debt from the LLC for anyone that is on the mortgage, but because there are 4 members to the LLC we will only account for 25% of the income for you as an individual applying for a personal loan. This would make it very difficult for you to qualify for a loan to buy a primary residence in the future if you decided you wanted to do so because it skews your debt to income ratio” 
     We were very forthcoming with our CPA ,who came highly recommended, that we don’t know what we don’t know and from a tax/accounting perspective we needed hand holding but this possibility was never mentioned. 
    So does anyone have guidance on how to get around this issue? Is this a problem with our CPA and we should shop for a new one or is this just something he knows to how to handle and we shouldn’t be concerned with? Any books/education recommended on this type of matter you suggest? Help please! Thank you!