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

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. 

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

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.

Depreciation recapture is triggered when you dispose of or change the use of a depreciable asset.

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

It sounds like you are just having trouble pulling the trigger. 

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If you already have existing property and transfer property to an LLC, then it could trigger the due on sale clause the bank.

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