Definitely something to spend a lot of time and money with attorneys on.

My attorney suggested me to quit claim them to LLC instead of personal name but I want to refinance them.

The best thing to do is speak with a securities attorney and let the guide you and help you decide the proper structures.

i suggest Female A speak with an attorney, however, from what you wrote here "There are three women named in a Will to inherit a house in Panama from an Aunt", this seems the only pertinent line of your entire scenario.

I simply pay a local attorney and often have around 1000 in closing .

You will have additional costs associated that will eat into your gains like bank origination fees, closing costs with attorney fees, etc.Hopefully that helps a little.Kurt

Make sure you have Your real estate attorney prepare the loan docs, close the loan and get lenders title insurance for You. 

I am no attorney, but none of my clients buying small multifamily are putting them in LLC's.

Of course, I’m not a real estate attorney or the one giving you the loan, so.....

Lenders, accountants, attorney, and brokers in the market you're interested in.If you have any track record whatsoever someone and probably quite a few people have heard of you.