Borrowing as an Entity vs Borrowing as an Individual

[Teddy Johnson]

So I have an opportunity to obtain a mortgage where I can either have the loan in an entity with a personal guarantee, or to borrow as an individual and then transfer the property into an entity after closing.  Neither have a due on sale clause for this loan and the terms are the same.  

My thoughts are if I have a loan in an entity then entity's assets would be at risk while simultaneously my assets would be at risk.  If I borrow as an individual, only my assets would be at risk--there is no avoiding the personal guarantee.  

My question is why would I choose the option to get the loan in the business name with my pg, vs only getting in my name with the same pg.  Again, it is perfectly fine to transfer the house into the entity the same day when closing by filing two deeds that day.