To wit, people might find this thread and exchange for years to come (I am cognizant of that future audience as I write this).

But my suggestion for future listings.Look at days on market in the area that you are going to list.

Generally, lenders base their refinance valuations on the property’s in-place income and existing condition, not future projections.

Taxes on the original gains are deferred until December 31, 2026, and future gains from the OZ property can be tax-free if held for 10+ years.

Would the 9-year balloon concern you, knowing you'd need to refinance or pay off the balance at potentially higher market rates in the future?

As for foreclosure, yes, the debt might go away, but it would wreck your credit and make it tough to borrow in the future, so that’s not a great fallback.

Just in case.Ultimately whatever correlates with your future plans but a solid way to build long term wealth.

@Bill B. yes a good AI platform will keep a DNC list and or scrub for DNC and prevent communication from happening in the future. 

@John Kirtley It's definitely gone up a lot in value, but you can compare the values to Folly or Isle of Palms (Sullivans isn't really comparable) to see the future growth.

I'm not sure I would get to cute trying to squeeze every time out of it now with a lease that might cause you issues in the future, but the scenario you describe is common and probably smart.