@Nevin Wilkie, as noted, if you already closed on a conventional loan, your lender is correct that any change in ownership can cause the loan to become due immediately.There are a few options:First, most risk of being sued comes from you being a bad person.  

Reading the answers definitely help me to clarify my choice of maintaining multiple accounts!

While $8,500 definitely seems expensive, $2,000 is probably not enough to do this correctly.  

You just plan to sell lots, correct and not build?  

This approach allowed me to close quickly and efficiently while maintaining flexibility to make the minor updates needed to modernize the property and position it as a high-performing long-term rental in Uptown Charlotte.

This approach allowed me to close quickly and efficiently while maintaining flexibility to make the minor updates needed to modernize the property and position it as a high-performing long-term rental in Uptown Charlotte.

If I'm understanding you correctly you only want to actually buy the house for $184K, but you want to use a gift of equity from your daughter as the down payment.

This financing approach allowed me to focus on converting the structure into a duplex and preparing it for rental while maintaining cash flow for other ongoing projects in my portfolio.

It was an effective strategy to keep the project moving forward while maintaining financial liquidity for other investments.

It was an effective strategy to keep the project moving forward while maintaining financial liquidity for other investments.