People don't like to complicate things. 

Wholesaling isnt complicated.

When a wholesaler bypasses this traditional route, clients miss out on this professional guidance, which can lead to misconceptions and, at times, legal complications in transactions, further reinforcing realtors' aversion to wholesalers.5.

Quote from @Brett Riemensnider: Don't make it so complicated.

Their lack of ethics and competence resulted in significant and avoidable complications that could have been prevented with a more reputable organization.

It’s complicated and financially dangerous. 

Instead the IRS "disregards" that LLC and looks to the return that the property is reported on.Community property issues in those few states can cause some complications. 

LLC's can sometimes complicate things, just open a bank account for your rentals and use a program like quickbooks to do and manage your books. you could even hire someone for around $100/mo to do this for you as well

This is not a large operation and I don't want to over complicate things. 

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.