Purchasing first property triplex would love some feedback!

[Diego Mugica]

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Hello, I have had a SFR home for about 10 years. Didn't make a whole lot of money being rented but I sold it and decided want to buy the something bigger. I have met with many different financial institutions. They offered me an investment mortgage at 5.75% fixed rate for 30 years but asking 25% down. However the property would be under my name and not an LLC. My accountant says its in my best interest to put it under LLC. I can understand the benefits from doing that however, commercial loans are only offered to me using an LLC. Best deal I was offered from a local bank was 6.25% floating or 6.75% fixed rate, 20% down with 20 year amortization. Incidentally the numbers on the property have been the ones Ive liked the most. The sellers had the property undercontract and buyer fell through bc he could not get approved financing. I would love to hear feedback on property and advice on using the 30 year mortgage vs the commercial loan. Thank you again!