LLC before or after refinance?

[Graham Nash]

Greetings,

I'm looking to do some cash out refi's on 3 properties. 2 of the 3 properties have zero debt. I also want to put them into an LLC. I'm finding that seeking cash out refis on properties that are in an LLC  creates an issue with the banks. Is this all banks? If so, should I wait on the LLC until after the refi? I think that increases the likely hood of due on sale clause...

Thanks in advance,

Graham