Cost Segregation is a commonly used strategic tax planning tool that allows companies and individuals who have constructed, purchased, expanded or remodeled any kind of real estate to increase cash flow by accelerating depreciation deductions which can defer state and federal income taxes and increase cash flow.When a property is purchased, not only does it include a building structure, but it also includes all its interior and exterior components.

I do believe that, because of technology (on line deed information and ability to filter such) and higher interest rates, we will see more acceleration of loans due to due on sale violations than in the past.  

This increased purchasing power enables you to acquire more valuable assets, accelerating your wealth-building process through real estate.2.

We went with the higher 4.5% rate BECAUSE we were able to negotiate (1) no personal guarantee and (2) one time allowable deed transfer without enforcing acceleration clause.  

Lower housing supply leads to prices accelerating faster.

The exception is a reverse mortgage which have breach terms that include death of last debtor on title or a surviving spouse.From a practical standpoint, mortgage lenders and their loan servicers are not looking for a reason to accelerate (call loan all due) but may be triggered by poor admin practices of sub-2 buyer.

It can even create massive tax savings for you which can accelerate how much real estate you can buy. 

Here's what I was told by CSSI after giving them some info on my home: We estimate we can accelerate the depreciation of your property in the first 3 years by $22,197 in the first year through a cost segregation study performed by our firm.

A Cost Segregation study is an IRS approved federal income tax tool that increases near term cash flow by utilizing shorter recovery periods for depreciation to accelerate return on investment.

@Joseph Agins you will have to consult with the lender but on its face it does seem like any amount accelerated down would trigger the penalty.