Quit claim deed into LLC now or wait until I can refinance

[Michell Chase]

I am not sure if this is the best category to post this question...so my first multi family I purchased with a conventional mortgage in my personal name before creating my LLC. I would like to get that property under my current LLC with my other rental property for protection purposes and also for estate issues, in the event that something does happen that my husband inherits these properties through a our holding company and estate planning. Surprisingly my mortgage company does accept a quit claim deed in order to do this, the only issues is that the LLC would own the property but not the mortgage. So in the future if I wish to refinance I would then have to quit claim deed back to myself in order to refinance. It seems like that would be a bit of a pain and a lot of paperwork and possibly funds to do so. I looked into just refinancing into a DSCR but some feedback from some lenders has basically said they honestly wouldn't recommend that at this point it. So being that option is off the table should I just wait a few months and see where the rates go and refinance or just put it under the LLC for now and pull it back out if rates change?