I just got this property under contract. What is the best way to finance it?

Upper lower duplex with 3/1 in each unit.

Purchase price of $150,000. 

Rents: $650 each total of $1300. 

Tenants paying all utilities

Taxes $3000/yr and Ins $700/yr

Repairs and vacancy are very low. I figured 2% of gross rents.

On a 30yr fixed at 3.25% I am cash flowing around $400/month. This is figuring a loan amount of $120,000 with $30,000 out of pocket. 

On a 20yr with 5 year balloon at 4.5% I am cash flowing around $150/month. This is figuring an appraised value of $160,000 with this commercial lender lending 80% LTV. Loan of $128,000 and $22,000 out of pocket.

I am not aware of any lenders who will do 30 yr conventional financing if the property is held in an LLC.

Would you go with the higher cash flow on a personal loan or less liability on the commercial loan? Are there any other suggestions anyone can offer based off these numbers?

@Brock Agamaite you will find the opinion is split on the value of LLC vs using Umbrella Liability Ins instead for asset protection especially if one owns the property without partners. IMO it's best to max out your 10 conventional loans (the cheapest financing you can get) which require buying in your own name. You can alway quit claim the property into an LLC later if you decide to do that (do your research on that; there is a risk of getting the loan called though in practice it rarely happens).