@Niklas Zhu If you tear down your STR in 2025 and convert it to personal use, depreciation recapture does not occur at the time of conversion.

If there is a due on sale clause in the loan doc then it doesn’t matter what the loan officer told you verbally.I’m not an attorney, but from my understanding of the loan is still in your name personally a good litigator can pierce the veil and your LLC protection wouldn’t amount to much.

I'm not a professional Tax person.

She is not in a position to lend a personal loan to me. 

However, because I am unable to make trips to scout locations or look at homes in person.

My goal is to wholesale some properties single and multifamily to build some capital while fixing my personal credit and building my business credit.

The interest rate on a HELOC or Heloan may be better than the personal loan. 

If someone injures themselves and sues, they will be suing the LLC and not you personally.

I would recommend going to some local real estate networking events and asking around in person who people like to work with for title.

Would a HELOC or home equity loan on my personal home be a good idea to fund this?