Househacking, LLCs and refinancing

[Bradley LaBrie]

I'm sure this is a common question with house hackers, but I currently have my first multi unit in a rehab. I have an LLC set up and my question is twofold. 1) I understand putting this property into the LLC could trigger the due on sale clause, but my mortgage says it will allow "under certain circumstances" the transfer to another person. For a 4-unit owner occupant should I put it in the LLC or wait until I refinance? And 2) I have heard there are challenges to refinancing with a bank under an LLC? How do you guys do this?

Also any tips as I wait to refinance this property?

Thanks!