There is an acceleration clause is most deed of trusts, that is, his mortgage document that calls for a full payment of a mortgage if the title is transferred in this manner, but people do it all the time and accept that is the mortgagee/lender ever exercises this clause then you'll just have to refinance the property and since you were paying the mortgage and have proof, you should have no difficulty in refinancing the property. 

Tony Robbins awaken the giant within book, has a section where you go through a written exercise to plan this out.

Waiting for your property to appreciate, the repairs to be completed, and the right tenant to be found can be nerve-wracking, but exercise patience.

It is like exercising an option in a stock that deep in the money.

Commissioner, 74 T.C. 1134 (1980) (“The taxpayer’s intent at the time of the exchange is controlling and must be determined.”)Courts consider the following factors in assessing if the property was held for sale: (1) the nature and purpose of the acquisition of the property and the duration of the ownership; (2) the extent and nature of the taxpayer’s efforts to sell the property; (3) the number, extent, continuity and substantiality of the sales; (4) the extent of subdividing, developing, and advertising to increase sales; (5) the use of a business office for the sale of the property; (6) the character and degree of supervision or control exercised by the taxpayer over any representative selling the property; and (7) the time and effort the taxpayer habitually devoted to the sales.

Honestly, who wants to buy a house knowing the right to redeem might possibly be exercised? 

It would be an owner builder exercise and I could build the 800 square foot ADU for less than $150,000. 

The financial friend gets a super safe investment and when you want your house back, you exercise your option and buy it back.The numbers I used in this example were just round numbers for example purposes, please don't get hung up on them.

I do #2 and #3 as they apply with a preference for rewiring.This exercise is helpful in developing an understanding of which circuit breakers control what.

I think this gives me a chance to open up the consultant side of my own business while exercising the use of my skills and knowledge as a project manager.