Obtaining loans for new LLCs

[David C.]

Without sparking an argument of using a single LLC vs. multiple LLCs to hold multiple properties, let me just set the stage:

I have a new LLC to hold new property in a new state. When it comes to obtaining a bank loan for the investment, the comment was made that since the LLC is a new entity without any assets, rates will be higher and assets will need more assets to be guaranteed against the loan for this to be approved. The bank is aware that we own other LLCs with other properties in them. From a business standpoint, I understand this -> Who would give an entity with no assets a loan?

But then this made me wonder, for those using a single LLC for each property, does this become problematic obtaining a loan each time, since each entity essentially has no assets to begin with ?

Just in case anyone comments with the recommendation to put the loan in your own name, then quit claim deed the property to the LLC, this doesn't work for me, as the state that I am investing in hits you with a 2% Transfer tax if you do this. Likewise, I don't want to use hard money.