I personally learned I enjoy local investing in residential properties.

I actually got caught up in the creative finance bubble of trying to lock up properties way over their value just because it had creative terms not realizing that if you were to buy a property at 120% of its value you will never be able to refi or sell without paying out of pocket.

When your LLC takes a loan, expect as members to personally guarantee the debt.

Many banks limit personal loan amounts.

To make a long story short, for one property you are not going to save $ in the long run and realize materials can take 6-16 weeks to arrive. 

Then one day I realized when I pointed at people I saw 3 more fingers pointing back at me.

When I began direct-to-owner marketing for multifamily (12-40 units), I realized it usually takes many months and touchpoints to build rapport with most sellers where they are willing to really open up about their property and financials. 

HiI am starting my real estate journey in 2025 and started connecting with agents and lenders. My lender is suggesting me to buy property under my name and then transfer it to LLC later as there are not many financing...

I purchase my personal investments to maximize their equity and hold long term.

So, many people in your area may not realize its negotiable and just assume its always handled a certain way.