Does a gut-job ever trigger a Due On Sale clause?

[Kristina Jensen]

Scenario:

You buy an owner occupied property, then immediately start a full gut job renovation.  Depending on permitting delays, labor/material shortage, COVID related delays, inspections, actual work conducted, etc., you don't actually move into the home for a year while making your payments.

I wonder if the bank would execute the DoS clause either because 1) if they visited during demo/construction, their initial investment has lost value, or 2) you haven't move into the home yet.

Does anyone have insight on this?  Thank you.