Another DSCR Question - Better with LLC or in Personal Name

[Andrew Arthur]

Currently a W2 employee, own two properties and ready to purchase a third but my DTI will not allow it. From my understanding and research the DSCR Loan is the only way in my situation. However, is the better strategy to do it within a LLC or in my personal name?

I am leaning towards in my Personal Name because I assume I would have to personally guarantee the loan anyway and I would receive a better rate? Or do people believe that I am leaving some perks on the table by not creating an LLC, especially if I plan on purchasing more properties in the future?