I have a contract and need a title company to complete the transfer in King County.

Our management company has interviewed vendors our there that have capabilities, using AI, to verify authenticity of certain documents, including ID's.

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.

You didn't share company name?

My insurance company says they exclude coverage for exotic animals and any dogs with a bite history.

My company designed and furnished a STR property in Holden Beach in 2022.

And they are not the only tech and otherwise major company coming into the area. 

Look into property management companies in the area to see if their services align with your needs.Remember, patience and due diligence are crucial in real estate investing.

The original lease was provided by the Real Estate company who listed our place for rent and secured my tenants. 

The management company handles a lot on your behalf, besides overseeing the manager.