I have listened to Podcasts, participated in Webinars, watched YouTube videos, read books, ran the calculators - from BRRRR to wholesaling to short-term rentals and more, but I have never pulled the trigger.

While private money isn't highly regulated at the federal level, there are subtle nuances to be aware of in each state that may trigger your loan becoming a security and then the SEC would have regulations to consider.

I understand that I must get a confirmation (or concurrence) from lender that I'll be transferring my personally owned property to an LLC so that it won't trigger a due-on-sale clause when the transferability happen.

She said it’s unfair because hairs can pass through the drain cover over time too.

I have the gray hairs to prove it 😂.

Ok, so if the LLC is doing the purchasing and you are not transferring (triggers a due on sale clause in most non-commercial loans) then you should be OK.Regarding the name vs LLC.

@Max Filho have you pulled the trigger yet?

However, there is also a realistic possibility that waiting can trigger another factor that works against you.

I think the sale triggers a change from passive to active and it can be used to either lower basis or offset capital gains/depreciation recapture and if any is left your ordinary income.  

I’ve been doing my due diligence for over a year now and I’ve finally come to the point where I need to pull the trigger.