financing small multifamily properties

[Mike Gel]

I am looking at 2-4 unit multifamily properties. Plan is to use my HELOC for 20-25% downpayment with a 30 yr fixed mortgage and ultimately have the property titled in my LLC for liability purposes. Problem is I can't seem to find a lender to give me a commercial mortgage w/o exorbitant fees. 1 lender mentioned just getting a residential mortgage then retitle the property into my LLC (~$400) which is an option but hesitant if they call the loan (I've been told this doesn't happen all that often though?). The title company I spoke with mentioned some lenders will allow for a commercial mortgage as long as I personally sign the loan as well. Does anyone have experience with this option? I wanted to 'keep my personal and business separate' so it makes me a little nervous signing personally but maybe I'm overthinking it.

Thanks.