Adding the ex to the title could trigger gift tax implications, so keeping it simple is best.

.: Foreclosures usually have a lot of "hair" that goes with them.

If you can find that deal, pull that trigger.

When loans were called, was it due to specific triggers like delinquencies, insurance lapses, or low-interest rate portfolio loans held by smaller banks?

If I had an answer to my money issue then I would quickly pull the trigger on a good deal. 

That would be for the deed, so use care not to trigger the acceleration clause with your lender.

Had we scheduled the closing in the morning, there would not have been an issue.The only potential upside is that a disaster area declaration triggers changes in mortgage rules that could beneficial to the buyer. 

My Wife and I are going to pull the trigger in 2025 and are looking in the Central PA area to buy our first STR.

Here's why:The Multi-State Chess Game:• Client had properties in 3 states• Each state has different deadlines to assess taxes• Federal changes trigger automatic state assessments• Timing the response saved $45K in state taxes🏠 Real Estate Investor Pro Tip:States can't assess back taxes if their statute of limitations expires before federal changes finalize.

For those who’ve structured wraparound mortgages, what strategies have you used to avoid triggering the due-on-sale clause?