This is certainly an area that needs clarity badly. Banks are clearly not disinterested parties when it comes to Financial Calculators (just like your Financial Advisor's Retirement Calculator is biased toward products they can sell you)

Once you nail this one, you should do the same for owning 'working' assets. Which is to say what sort of rate of return could one get on their money if they created an LLC, bought a property, and rented it out. All the same things go into the equation but the variables are subtly different (what mortgages can an LLC get that an individual can't? How about the other way round? Etc.)