There could be local considerations that are tax and inheritance related.Thanks for the reply Ken.

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?

Take into consideration that when the person you gifted the property to will have special tax considerations as well 

In those instances, the title doesn't change hands, thus, the Due on Sale isn't triggered.

I’d recommend saving that $295 cash flow for some amount of time until you have considerable cash reserves saved up.

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. 

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