How do I structure LLCs after 10 conventional loans?

[Allen Zhu]

Hey everyone,

I just bought my first duplex with a conventional loan. My plan is to use all 10 conventional loans over the next 2 years, then switch to DSCR loans.

I'm trying to plan ahead — how do you protect yourself once you start using LLCs? Do I need a separate LLC and bank account for every property?

I’ve heard of holding companies, but not sure how that works without it getting super complicated.

Any tips or simple breakdowns would help a lot. Thanks!

— Allen