Newbie's LLC dilemma continues

[Sefa Demirtas]

I spoke with two different lawyers that do residential real estate seller/buyer representation. They both said that it is common practice that people buy investment properties on their own names, and after a few weeks of the closing, they transfer the title to a single owner LLC. When I ask whether the credit union would call the loan because of the "due at sale" close, they both said "don't worry about the loan being called". But they also said "no we don't notify the credit union or bank about the title transfer to an LLC", which seemed like shady business to me. When I pressed them on what is the downside to ask the bank's blessing for the LLC transfer, they gave evasive answers and repeated that "they wouldn't look back on a closed clean title".

Closing as an LLC in the first place would require higher rates and down payment, and of course I want to pay residential rates and lower down payment. How do you recommend that I move?