It looks like we are trending towards a more equal seller/buyer market place.

Option 1:Pros:Simplicity: You avoid the potential complications of alerting the lender.Maintains Low-Interest Rate: Since your loan is at 3%, you continue benefiting from this favorable rate.Avoids Immediate Full Payment: You won’t be forced to come up with $45k immediately.Cons:Risk of Detection: If the lender identifies the payments coming from an LLC, they might call the loan due.Potential Consequences: If the lender enforces the due on sale clause, you might be forced to pay the remaining loan balance quickly.Option 2:Pros:Transparency: Being upfront might build trust with the lender.Possible Flexibility: Given your solid payment history, the lender might agree to the arrangement.Legal Compliance: You avoid any potential issues with violating the terms of your mortgage agreement.Cons:Risk of Loan Acceleration: The lender could still decide to call the loan due, forcing you to pay the remaining balance.Potential for Higher Payments: If forced to refinance, you might end up with a higher interest rate.Given the pros and cons of each option, but a cautious approach might be best:Consult a Real Estate Attorney: This can give you a clear understanding of your legal standing and potential risks.Evaluate the Importance of the 3% Rate: Weigh the benefits of keeping your low-interest rate against the risks of potentially having to pay off the loan early.Consider a Gradual Transition: This method allows you to continue benefiting from the low-interest rate while reducing the risk of triggering the due on sale clause.

The device also detects smoke and has saved a couple hosts from a smoke filled and smelly STR. 

Meetup.com is a good resource for those but some of the groups will also post here on Bigger Pockets Marketplace too.

Whether is taking his "course", paying for the self written articles about his success or aka writing "puff pieces", buying fake Instagram followers, sitting on FB marketplace trying to get someone to pay for a house they don't know is condemnable and pay to have DJ remodel it and DJ never completing the remodel,  him spending an enormous time defending himself in small claims court, and threatening charges on  people that don't know law so they pay what he wants.All of those examples came from either my observation, experience, or other peoples reviews of him.The guy rented me a condemnable property.

It provides much needed “liquidity” in the market place; sets a baseline for “quick sale” pricing; and provides an out for people who can’t utilize broker/MLS, or who need a fast close, as is.  

Maybe I can be of some help to you if you’re looking for anything particular in that marketplace. 

RegardsGiles Dalrymple Giles, so sorry to hear about this  - amazing response @Brian Burke - this is, unfortunately, happening to many LPs in the marketplace today, many unseasoned operators showed up in 2022 and had a high IRR high-velocity fix and flip strategy for large MultiFamily offering and the combination of inexperienced investors with inexperienced operators turned into a bomb and for others a nightmare   - Important takeaway is due diligence review, not only deal level but sponsor track record - yes, past performance is not indicative of future results, but at least it's a metric to review.   

Have you seen the detection devices that provide remote notification:  https://www.amazon.com/smart-water-leak-detector/s?

If it’s so bad, instead of playing detective or code officer, why not move?