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

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

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

Also if you get signed up for Pro it locks you in at that price and you are not subject to further price increases.

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.

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 the unit is empty, change the locks, clean it, and get it rented.

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's a fun story and it's how I got interested in notes.I bought a vacant, land locked (no easement) lot at tax deed auction (Washington is a deed state). 

I locked up my first deal , now im trying to find buyers.