LLC For Rental Property?

[Christine Hamilton]

Hi all, new here! We are planning on purchasing 2 STR in NC, which we will vacation at throughout the year (one at beach other in mountains). We want to make these properties each their own LLC. Spoke with a local lawyer who said that in NC you can only use the property as one or the other. When I spoke to the lender they said to go as a vacation rental then after closing make it an LLC. Lawyer said if you switch that would be breech of contract of for the banks and possibly can terminate the mortgage. the STR are not under LLC's. We want LLC for more protection.