I was hesitant because I know they could charge an arm and a leg for something that's not even difficult.

@Matthew Rodriguez As a someone in your same location and realm I comprehend your difficulty.

My concern now is, how difficult is it to obtain a loan from the bank under a LLC versus under my own personal name?

It is not likely commercial lenders will allow you to acquire a property with none of your own capital as they typically want you to have "skin in the game".

But because people have difficulty with focus, action and consistency, it can present a challenge for those who aren't fully committed to the process (as opposed to the result).

You are asking for a huge discount, but there's many ways to skin a cat.

Hello BP, One of my properties is under a VA loan and has a lot of equity that I would like to access to pay down credit debt. I have tried with two different lenders ( Quicken Loans & Freedom Mortgage ) to cash o...

California is only going to get more expensive where you may not even have enough to get a good skin in the game. 

They waited until last day because they were having difficulty. 

I feel like I did a great job of vetting this deal so realistically if I need to go the hard money route I am only looking at financing about 30% of the ARV so I feel like the deal was structured right and I also have the right amount of "skin in the game."