Buying rental duplexes as an LLC or trust VS as "person/individu

[Mike T.]

I asked my loan officer (conventional loan) the following question and the answer was NO.   If I wanted to do what I proposed the loan officer said the loan will have to be "commercial" :

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Can an identity (My LLC company or trust) own the rental properties with the loans carried out with you? With my wife and I as guarantors for the loan?

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Is this true?  The property is in MS.  I can incorporate in any state

Anyone can help?  

Thanks