How would the bank know if it were my funds or not when it was purchased?

Probably is I can’t find the 300,000 banks want to have 20% down.

I work with four banks.

Given the average rent in the GTA and increasing interest rates the stress will become even more extreme if let as it is.Housing shortages aren't cured overnight.And a heads up. some of the big 5 banks appear to be increasing their posted rates.

Quitclaiming the property to your LLC owned in your name - and the name of your spouse if you purchased the property as joint owners (read my previous post above) is only part of asset protection you want to pursue.Yes, "Sam the human" pays the mortgage, not Sam the LLC - but understand that Sam the human is the person who's name is on Sam the LLC's bank account as an authorized signatory as Sam the Managing Member.  

More likely you fail to adjust to market rate.

And 1% lower than the bank!

It comes down to the mortgage banker knowing their guidelines and the bank following guidelines.

Any banks doing 15 year loans on investment properties in Louisville, KY?

Are you looking for a bank or private money or hard money?