And then they will come after you heavy handed, with full force and charges of defrauding and abusing the vulnerable home owners.

This extra payment deal is for consumer/homeowner that will spend all the money he has available on cigarettes, beer, etc. so he “fools” himself into “painlessly” saving money by building extra equity in his one big “investment”.A professional investor should NOT need to “fool” themselves into “forced” savings.  

Longer term 10+ years the lock ins will fade away as life forces people to move.  

Note too that in Wake County, unlike decades past, there is no meaningful "foreclosure discount" (defined as the fact that winning courthouse bid prices were generally (historically) much lower due to the forced sale feature of NC statutes and Deed of Trust Power of Sale clauses) and this is confirmed by a recent Fannie Mae study. 

Let market forces weed out those who are inept and are unable to deliver the right product/service.

We usually cut a permanent dryer vent in the wall and use that to exhaust it to the outside (instead of hanging a hose out the window, yikes again).If you don't have forced air in a property (meaning if you have hot water radiators) a mini-split system is one of the most cost-effective ways to cool a house.

I see opportunity abound as the Federal Reserve is intent on forcing us into a recession. 

I'd love to get details on how easy the process was, as I'm concerned about the city forcing me to get rid of the whole unit itself.

Unfortunately, I see a lot of borrowers come looking for a refinance with an 800 credit score before reno, and then after reno, it looks like a 580, forcing them to sell a deal for an ok margin when they would have been much better off with a BRRRR as intended.

Option 1:Pros:Simplicity: You avoid the potential complications of alerting the lender.Maintains Low-Interest Rate: Since your loan is at 3%, you continue benefiting from this favorable rate.Avoids Immediate Full Payment: You won’t be forced to come up with $45k immediately.Cons:Risk of Detection: If the lender identifies the payments coming from an LLC, they might call the loan due.Potential Consequences: If the lender enforces the due on sale clause, you might be forced to pay the remaining loan balance quickly.Option 2:Pros:Transparency: Being upfront might build trust with the lender.Possible Flexibility: Given your solid payment history, the lender might agree to the arrangement.Legal Compliance: You avoid any potential issues with violating the terms of your mortgage agreement.Cons:Risk of Loan Acceleration: The lender could still decide to call the loan due, forcing you to pay the remaining balance.Potential for Higher Payments: If forced to refinance, you might end up with a higher interest rate.Given the pros and cons of each option, but a cautious approach might be best:Consult a Real Estate Attorney: This can give you a clear understanding of your legal standing and potential risks.Evaluate the Importance of the 3% Rate: Weigh the benefits of keeping your low-interest rate against the risks of potentially having to pay off the loan early.Consider a Gradual Transition: This method allows you to continue benefiting from the low-interest rate while reducing the risk of triggering the due on sale clause.