Financing that allows for asset protection

[Mark Surdam]

Trying to refi a 3 unit I have owned for a number of years. While speaking to my accountant the topic of asset security came up and we discussed business structure and placing each of my properties in individual LLC's which would be owned by my business LLC which is owned by my wife and I. When I asked the bank about switching the title out of our personal name and into an LLC they replied the only way to do it is to switch to a commercial loan which completely changes the terms. We live in very litigious times, asking the bank to work with me to set up some sort of asset protection by putting the property into an LLC while still guaranteeing the loan does not seem unreasonable me. What am I missing here? Maybe I'm just working with the wrong lender?