LLC vs Sole Proprietor on a BBRR (Buy land, Build, Refi, Repeat)

[Trey Read]

Hello, 

I'm running into an issue I think the community may be able to help guide me through. 

I recently built a new SFH for the purpose of using it an an investment property.

My construction company runs out of an LLC, and I set an LLC up for the rental property to sit in. All is good there.

Only issue I'm having is when I go to get my cash out refi, the personal Mortgage is much more favorable that a commercial loan...

Is it the end of the world if I operate this SFH as the owner (myself) instead of an LLC owner?

Has anyone ran into this sort of thing in the past?