Limiting liability on multiple rental properties

[Ryan Arth]

if you own multiple rentals, and you buy them with traditional financing, this question is for you.

i purchase my houses in my name b/c the lender will not loan to a company. i was then quit claiming the houses into my company name, to limit my personal liability. this is becoming a problem with my lender.

if you own a lot of rentals and do not pay for them in cash, but with mortgages, do you:

1. leave them in your name and get a big umbrella policy. (what if you have 25 houses in your name?)
2. keep doing what i am doing, until they shut me down (or trigger a due on sale clause and really stick me)
3. find a lender that does commercial financing to have the company buy them(higher rate and DP?)
4. something else?

bottom line, i want to start doing things the best way from now on.