I have a RE LLC with each property in an RPT.I own 3 LTR SFHs in North FL that I acquired pre/during-COVID.

Are you putting this in an entity such as an LLC?

You can close the loan in an LLC so that when you file the 1st year you can pay all payments out of your business bank statements and it will not go against your DTI for future home purchases or refinances.

I have read LLC's are not the best to buy real estate with it being difficult to get loans from banks due the limited liability. should I put these properties under my name, or should create some sort of corporation/llc to put my properties under. 

Your lease was with the tenant, not that LLC and anything that LLC sends you might not be valid. 2: Your lease was with the Tenant.

A completely separate question is whether you need an LLC.

The LLC already owns the land and has for multiple years.

Located in NJ.Is there a way to refinance my rental property from my residential loan into an LLC?

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

It’s really not hard to find someoneFor example people who buy a loan in their name and move it to LLC - some say for asset protection and some say to hide their name - well the recorded mortgage is still in their name and it’s a quit claim deed to a LLC so it doesn’t take a rocket scientist to figure who owns the LLC